Employee medical insurance is more cost-effective. Medical care for employees of enterprises is paid by both enterprises and employees, with enterprises paying 7.5% and individuals paying 2%. You need to pay continuously for 25-30 years, and you can continue to enjoy preferential treatment after retirement. General enterprises pay employees according to the minimum payment base, otherwise it will increase costs.

The insurance expenses of the new rural cooperative medical system are all borne by themselves, and the reimbursement ratio is lower than that of employee medical insurance. Pay for one year and guarantee for one year.

Proportion of reimbursement for new rural cooperative medical care:

I. Outpatient service

(1) village clinics and village center clinics will be reimbursed 60%, and the prescription drug fee limit for each visit [1] 10 yuan, and the prescription drug fee limit for temporary fluid replacement by hospital doctors is 50 yuan.

(2) Reimbursement for medical treatment in town health centers is 40%. The limit of examination fee and operation fee for each visit is 50 yuan, and the limit of prescription drug fee is 100 yuan.

(3) The reimbursement for medical treatment in secondary hospitals is 30%, and the limit of each examination fee and operation fee is 50 yuan, and the limit of prescription drug fee is 200 yuan.

(4) 20% reimbursement for medical treatment in tertiary hospitals, with the limit of each examination fee and operation fee in 50 yuan and the limit of prescription drug fee in 200 yuan.

(5) The prescription attached to the invoice of traditional Chinese medicine is limited to 1 yuan.

(6) The annual compensation limit for rural cooperative medical clinics is 5,000 yuan.

Second, hospitalization.

A. Drug expenses: auxiliary examination: 200 yuan is the upper limit of examination expenses such as electrocardiogram, X-ray fluoroscopy, radiography, laboratory tests, physiotherapy, acupuncture, CT and nuclear magnetic resonance; Surgical expenses (refer to the national standard, reimbursement exceeding 1000 yuan 1000 yuan).

B, the elderly over 60 years old are hospitalized in Xingta Town Health Center, and the daily treatment and nursing expenses are compensated 10 yuan, with the limit of 200 yuan.

(2) Reimbursement ratio:

60% reimbursement for town hospitals; 40% reimbursement for secondary hospitals; Third-level hospitals are reimbursed 30%.

Employee medical insurance reimbursement ratio:

Generally speaking, the economic development in different regions is different, so the reimbursement ratio is different. The following is an explanation of the proportion of employees' medical insurance in Beijing.

After getting medical insurance, if you are an on-the-job employee, you can only reimburse more than 2,000 yuan for medical expenses in the emergency department of the hospital, and the reimbursement rate is 50%. For retirees under 70 years old, expenses above 1300 yuan can be reimbursed, and the reimbursement rate is 70%. For retirees over 70 years old,180% of the expenses above 300 yuan can be reimbursed.