According to the Qingdao medical insurance reimbursement policy, before retirement, 90%, 88% and 86% of the annual accumulated amount below 40,000 yuan were reimbursed in the first, second and third-level designated medical institutions respectively; After retirement, the reimbursement rates in the first, second and third-level designated medical institutions are 95%, 94% and 93% respectively; Jinan No.3 Hospital is a tertiary general hospital directly under the Shandong Provincial Health and Wellness Committee, so the reimbursement rate before retirement is 86%, and the reimbursement rate after retirement is 93%.

The advantage of enterprise employee medical insurance is that it can provide protection including normal outpatient and hospitalization expenses. Serious illness relief needs to be included in the scope of general medical insurance. There is no rate for serious illness, and all of them are borne by individuals.