The medical insurance country's policy also calculates well, more importantly is hospitalized many which the expense reimburses. Makes concrete take Xiamen's policy as the example, Xiamen, although is the special zone, but the external registered permanent address and this city registered permanent address's personnel enjoy the treatment is actually dissimilar.

external personnel enjoy the treatment is as follows: Front we have mentioned that the external personnel medical insurance pays the cardinal number is 1822.8 Yuan, the company according to 3% proportion 54.68 Yuan, personally according to 2% proportion 36.46 Yuan.

 

      The medical account is divided individual account and the overall plan account equally, explains in here, what is individual account and the overall plan account? In individual account's meaning i.e. account's money certainly belongs to you all, in the overall plan account's meaning i.e. account's money temporarily belongs to the country all, only then conforms to the policy which and the condition in you the country stipulated can enjoy, otherwise certainly belonged to the country to possess. Then Xiamen stipulates 36.46 Yuan + unit 54.68 Yuan 40%=58.3 Yuan which in individual account the money is pays personally, other 60% are 32.8 Yuan enters the overall plan account.  The external jobholders' outpatient service medical expense, by myself individual medical account payment, the individual medical account insufficient payment, from pays by myself cash. Is also you usually sees a doctor buys the medicine, in the account has the how much money to be possible to brush how many, does not exist has anything to reimburse, moreover Xiamen also stipulated that one year buys the medicine swipe card amount is 400 Yuan. The external jobholders' in hospital medical expense, first uses individual medical account or the specie payment after myself previous year whole city staff average wages 36456 Yuan 5%, namely 1822.8 Yuan, other parts by the society plan the medical service to pay 85%, individual cash from pays 15%.   In a staff basic medical expense computation year, each insured personnel plan the medical fund payment by the society above in hospital medical expense ceiling the year whole city staff average wages certain proportion to determine: What continual insured less than 6 month-long is 80%; What continual insured full 6 months less than 2 years is 150%; What continual insured full 2 years less than 5 years is 250%, insures 5 year above ceiling is 70000 Yuan continuously.  This city personnel enjoy the treatment is as follows: Front we have mentioned that this city personnel medical insurance pays the cardinal number is lowly 1822.8 Yuan, the company according to 7% proportion 127.6 Yuan, personally according to 2% proportion 36.46 Yuan. The medical account is divided individual account and the overall plan account equally.  Then Xiamen stipulated pays personally 36.46 Yuan include within individual account household completely, the Employer payment basic medical insurance premium, includes within individual medical account according to the following age section: Less than 35 year-old according to Employer payment 20% inclusion; above 35 years old less than 50 years old, according to 30% inclusion; above 50 years old, according to 40% inclusion. Other parts enter the overall plan account household. Moreover, some point is worth paying attention, the medical service pays the age limit male full 25 years, female full 20 years. When to retirement is lowest pays the age limit to the full 15 years, could disposable pay and submit and enjoy the medical insurance treatment, Xiamen's friends may probably pay attention!

     This city personnel occur the outpatient service medical expense, uses individual medical account to pay first. After individual medical account uses up, by plans the medical fund with the specie payment society to pay the standard personally: In office insured personnel for the previous year whole city staff average wages 9%, the retirees are 4%. Gets up pays the standard above medical expense personally according to the following stipulation payment, other plan the medical fund payment by the society: 　  

      ㈠The medical expense less than 5000 Yuan parts, goes see a doctor in the third-level Medical establishment, bears 28% personally; Goes see a doctor in the second-level Medical establishment, bears 23% personally; In first-level and the first-level below Medical establishment goes see a doctor, bears 15% personally; 　　

 

      ㈡The medical expense in 5000 Yuan to 10000 Yuan parts, goes see a doctor in the third-level Medical establishment, bears 15% personally; Goes see a doctor in the second-level Medical establishment, bears 10% personally; In first-level and the first-level below Medical establishment goes see a doctor, bears 6% personally;

       ㈢The medical expense surpasses 10000 Yuan parts, goes see a doctor in the third-level Medical establishment, bears 10% personally; Goes see a doctor in the second-level Medical establishment, bears 7% personally; In first-level and the first-level below Medical establishment goes see a doctor, bears 4% personally.  

The retirees bear the proportion for the above in office insured personnel individual burden proportion half. This city personnel occur in hospital medical expense, first by personally plans the medical fund with cash or individual medical account fund payment society to pay the standard: In hospital, the third-level Medical establishment for the previous year whole city staff average wages 6%, the second-level Medical establishment 4%, first-level Medical establishment is 2% for the first time, the retirees pay the standard to halve the computation; Above two times is hospitalized, gets up pays the standard to lower a percentage point, but most is lower than previous year the whole city staff average wages 1%. Gets up pays the standard above medical expense personally according to the following stipulation payment, other plan the medical fund payment by the society, the medical expense accumulation computation which in the year is hospitalized many times: 　 

      ㈠The medical expense less than 10000 Yuan parts, goes see a doctor in the third-level Medical establishment, bears 16% personally; Goes see a doctor in the second-level Medical establishment, bears 12% personally; Goes see a doctor in the first-level Medical establishment, bears 8% personally; 　　

 

      ㈡The medical expense in 10000 Yuan to 20000 Yuan parts, goes see a doctor in the third-level Medical establishment, bears 8% personally; Goes see a doctor in the second-level Medical establishment, bears 6% personally; Goes see a doctor in the first-level Medical establishment, bears 4% personally;

      ㈢The medical expense surpasses 20000 Yuan parts, goes see a doctor in the third-level Medical establishment, bears 6% personally; Goes see a doctor in the second-level Medical establishment, bears 4% personally; Goes see a doctor in the first-level Medical establishment, bears 2% personally. Retirees individual burden proportion for above in office insured personnel individual burden proportion half.