According to the implementation plan of the basic medical insurance for urban residents in Shijiazhuang, the urban deductible standards for residents' medical insurance are: 400 yuan, a first-level medical institution (including community health service center), 600 yuan, a second-level medical institution, and 900 yuan, a third-level medical institution.
The expenses below the deductible are paid by the individual, and the expenses above the deductible are reimbursed according to different levels of medical institutions. The reimbursement rate of hospitalization medical expenses in urban areas is 70% for primary medical institutions (including community health service centers), 60% for secondary medical institutions and 50% for tertiary medical institutions. For urban residents who have paid for five consecutive years, the reimbursement rate will increase by 0.5% for each additional year, with a maximum increase of 10 percentage point.
For urban insured residents, the maximum medical expenses paid by the residents' basic medical insurance fund within one year is 25,000 yuan. The expenses exceeding the maximum payment limit of the medical insurance fund shall be paid by large medical insurance for 60%, with a maximum payment of 75,000 yuan within one year.
The deductible period of employees' medical insurance at all levels is slightly higher than that of residents' medical insurance, and the reimbursement ratio is up to 85%, which is higher than that of residents' medical insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.