Employee medical insurance reimbursement is an expense reimbursement within the scope of medical insurance, which is a proportional reimbursement.

Employees' medical insurance reimbursement can only reimburse medical expenses above the deductible line and below the maximum limit within the scope of medical insurance, and the reimbursement ratio is calculated according to the level of the hospital.

The medical expenses incurred by the insured for outpatient or emergency treatment can only be reimbursed 1.800 yuan to 20,000 yuan, and the reimbursement ratio is 50%.

The reimbursement rate of medical expenses incurred by the insured in hospitals that exceed the maximum deductible is 90% in first-class hospitals, 85% in second-class hospitals and 80% in third-class hospitals. If the insured is a retiree, the reimbursement rate will be increased by 5% on the above basis.

2. What are the items in the scope of employee medical insurance reimbursement?

The scope of medical insurance reimbursement for employees mainly includes three categories: drug items, diagnosis and treatment items and service facilities of basic medical insurance.

The scope of medical insurance reimbursement for employees is relatively small, and only medical expenses incurred in designated hospitals that meet the scope of medical insurance reimbursement can be reimbursed according to a certain proportion.

However, the scope of employee medical insurance can not be reimbursed is relatively large, basically covering all categories such as service items, non-disease treatment items, diagnosis and treatment equipment and medical useful materials, treatment items, various scientific research and clinical verification diagnosis and treatment items.

Therefore, the insured should try to choose the items within the scope of medical insurance reimbursement when seeking medical treatment to avoid the situation that huge medical expenses cannot be reimbursed.