Commercial Medical Reimbursement Steps
Starting with actual costs and known reimbursements, apply the remaining deductible, contract ratio and remaining limit to estimate reimbursement and self-pay.
This is not an authenticated pension-account or policy query. Enter verified local parameters and approved amounts yourself. Changing language does not change the Chinese system. Estimates do not replace official determinations or claim decisions.
Rules verified on:2026-10-13Verify first: official inquiry and rules description
- For basic pension accounts, payment records and calculation and distribution parameters, please verify the national social insurance public service platform or the local agency, and do not fill in the password or certificate into this site.
- The personal pension tax can be checked by the tax department; please check the official reply of the contract or the insurance company for the official reply of the contract for the commercial insurance, the deductible amount, the remaining limit and the cash value.
- The following buttons only open the corresponding official website when they actively click, and will not automatically jump, and will not carry the input parameters on this page. This site does not collect real accounts or insurance policy information.
The main rules are based on: progressive delay in the decision of statutory retirement age, the implementation of the interim measures for the flexible retirement system, the basic pension calculation and issuance method, the personal pension tax policy and the insurance consumer risk warning. Future changes are subject to the latest regulations of the release department.
Do not enter names, ID numbers, medical records, policy numbers or passwords. Calculations run in the browser and are cleared on leaving this group, reloading or closing. Only your copy or download action exports results to you.
This tool is calculated according to Chinese rules and RMB; the switching language will not change the tax system, interest rate, unit or applicable area.
Commercial Medical Reimbursement Steps User manual
- Fill in the parameters or select the file according to the form, and check the unit and format first.
- CNY 100,000 costs, CNY 50,000 social reimbursement, CNY 40,000 eligible remainder, CNY 10,000 deductible and 80% ratio give CNY 24,000 estimated reimbursement before a tighter limit.
- Click the processing button to view the results, you can copy or download and save.
Calculation method and processing rules
Eligible costs cannot exceed actual unreimbursed expenses. Subtract the remaining deductible, multiply by the ratio, then cap the payment by the remaining reimbursement limit.
scope of use
Unknown terms are not assumed to cover all costs. Fixed critical-illness benefits and allowances are not expense reimbursements. Check exclusions, waiting periods and payment order in the contract.
Can I fill in all the costs into compensation when I don't know the scope of the contract?
Can't. First confirm how much the social security and other expense compensation have been reimbursed, and then check the compensation part of the contract that has not been reimbursed. Disclaimer, waiting period, hospital scope and order cannot be determined by the calculator by default.
Will the input content be saved on the server?
This tool handles input in the browser, and does not upload files or form content. Typing practice scores are only saved in the native browser.
Why may the result be different from other tools?
Unknown terms are not assumed to cover all costs. Fixed critical-illness benefits and allowances are not expense reimbursements. Check exclusions, waiting periods and payment order in the contract. Please compare the input unit, rounding method, applicable rules and data version first.