The difference between the first-grade and second-grade employee medical insurance in Chongqing is mainly reflected in two aspects. On the one hand, the payment standard is different, on the other hand, the reimbursement ratio is different, as follows:

1. Different payment standards: the payment standard of Chongqing medical insurance is 320 yuan per person per year; The second payment standard is 695 yuan per person per year.

2. The reimbursement ratio is different: the reimbursement ratio of hospitalization medical expenses for Class I and Class II insured persons is the same. The difference is that the reimbursement rate of the second gear is 5% higher than that of the first gear, with the highest reimbursement limit of 1.2 million for the second gear and 80,000 for the first gear.