Proportion of reimbursement of medical insurance and accident insurance

Under normal circumstances, the proportion of medical insurance reimbursement fluctuates around 70%. The proportion of reimbursement is related to medical grade, examination, medication and other factors. Class A drugs can be reported in full, class B drugs can be reported at their own expense, and class C drugs need to be reported at their own expense.

According to Article 2 of the Social Insurance Law of People's Republic of China (PRC), the state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. To ensure citizens' right to receive material assistance from the state and society in accordance with the law in cases of old age, illness, work injury, unemployment and maternity.

Accident insurance generally refers to commercial accident insurance, and its payment mainly involves the payment of unexpected medical treatment. If the insured needs to see an outpatient clinic or be hospitalized due to accidental injury, the insurance company may reimburse the medical expenses according to the contract. At present, the reimbursement rate of accident insurance is generally high, with no compensation or 100 yuan, and the remaining expenses can be reimbursed by 80%- 100%. Moreover, many accident insurances are not covered by social security and are self-funded.

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