Legal analysis: the reimbursement rate of medical insurance in Chongqing is 95% in first-class hospitals, 75% in second-class hospitals and 65% in third-class hospitals. The medical expenses incurred by the insured in the agreed medical institutions can be reimbursed if they meet the basic medical insurance drug list, diagnosis and treatment items and medical service facilities standards.

1, outpatient reimbursement ratio: (1) 60% of first-class medical institutions; (2) 40% of secondary medical institutions; (3) tertiary medical institutions are not reimbursed.

2. Annual reimbursement limit: (1) 300 yuan, first-class insurance; (2) The second-class insured amount is 500.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

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