How much can employee medical insurance be reimbursed?

The reimbursement rate of medical insurance drugs for employees is as follows: the reimbursement rate of Class A drugs is 100%, and the reimbursement rate of Class B drugs is 70%-80%.

The social security card can reimburse drugs, and the reimbursement ratio of Class A drugs is 100%, that is, all drugs are reimbursed according to the medical insurance ratio; The reimbursement rate of Class B drugs is between 70% and 80%, which means that individuals need to bear part of the expenses according to a certain proportion, and the rest can enter the scope of medical insurance reimbursement.

Classification standard of medical insurance drugs for employees:

1. Definition of Class A drugs: usually refers to drugs that are essential for treating diseases, have definite curative effect and reasonable price, and are fully reimbursed by basic medical insurance;

2. Definition of Class B drugs: drugs that have a certain curative effect on diseases, but are unnecessary or expensive, and are partially reimbursed by basic medical insurance;

3. Drug inclusion criteria: whether drugs are included in Class A or Class B is determined by the national and local medical insurance drug catalogues, which will be updated regularly;

4. Drug use restrictions: some drugs may have a scope of use or limited diseases, and may not be reimbursed if they exceed the limit;

5. Drug price control: The price of medical insurance drugs is usually regulated by relevant government departments to reduce the burden on patients.

To sum up, the reimbursement rate of medical insurance for employees of Class A drugs is 100%, and that of Class B drugs is between 70% and 80%. Individuals need to bear a certain proportion of expenses in order to enjoy medical insurance reimbursement.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.