What should I do if I have to pay medical insurance for retirement after 15 years of retirement and

After 15 years of retirement, I still have to pay medical insurance, what should I do if I don't have money to make up? This is related to the medical insurance you enjoy after retirement, if you don't have money to make up, it is recommended to borrow a little from relatives and friends, or you can ask the local medical insurance bureau if you can postpone the payment of the reissue.

The specific number of years of medical insurance payment at the time of retirement:

In fact, there is no uniformity in our country regarding the number of years of medical contributions at the time of retirement. At present, Hangzhou is 20 years for both men and women, and Shenzhen is 19 years, but it will be extended to 25 years, Qingdao and Beijing are 25 years for men and 20 years for women, and more places are 25 years for women and 30 years for men.

Everyone knows that as long as our pension insurance has been paid for 15 years, you can enjoy retirement benefits when you retire. However, the number of years we have paid for medical insurance is generally longer.

Regarding the lack of medical payment period at the time of retirement, there are generally several ways to make up the payment.

One is a one-time supplement, which includes a personal account and a non-personal account. Generally speaking, the cost will be higher if it includes the completion of the personal account, but it is more cost-effective, because you will enjoy the rebate of medical insurance every month. This kind of one-time compensation includes two ways, one is to pay a lump sum according to 100% of the average social salary of the previous year at the time of retirement, according to the proportion of medical insurance contributions and the number of months of outstanding contributions.

The other is to pay according to the minimum contribution base. However, in most places, it should be paid 100% according to the average base. Qingdao City is in this way.

His more humane thing is that if you can't pay it, you can wait until later, and the amount of money is unchanged. In some places, 60 per cent of the minimum contribution base is paid on a monthly basis. It will not affect the enjoyment of hospitalization reimbursement treatment, so it will not suffer a loss.

In case you pass away after paying for a month, you will not lose the book. Hangzhou and Shenzhen all adopt this method, which is more humane and less burdensome. The problem is that his contribution base is gradually increasing, and it is indeed a great burden to pay both pension and medical insurance premiums.

The other option is to postpone the payment.

Hello, you have completed 15 years of retirement procedures, if you do not pay medical insurance, you can only pay medical insurance every year, which can be paid annually or in a lump sum.

First of all, now your pension insurance is 15 years to enjoy the pension, but your medical insurance is not enough for more than 25 years, because now the medical insurance has regulations, you must pay for 20 years, in order to enjoy the medical insurance after retirement, so you must make up the payment, otherwise you will not be able to enjoy the medical insurance.

If no woman has worked for 15 years and has been paying social security for 15 years, she doesn't need to call anymore, and she can retire at the age of 60.

This question is very specific, you need to consult the local medical insurance service center, what treatment can be enjoyed if you make up for it, what treatment you can enjoy if you don't make it up, and how to effectively protect your medical insurance benefits.

The unit has not paid for you, in this case you are a flexible employee, if you can't pay it, it will be difficult to get the pension, it is recommended to go to the local labor department for consultation.

For this question, you can call the local medical insurance bureau to ask if you can postpone the payment and reapply, anyway, it will be postponed for three months this year, you ask.

If you don't have the money to pay for medical insurance, then you can't enjoy medical insurance. You can't be reimbursed when you are there.

In my opinion, the first thing to see is whether you are eligible to make up the payment, and on the premise of being able to make up, learn the local social security regulationsYesRetroactive payment amount and withdrawal amountAs for whether it is cost-effective or not, the answer varies from person to person. For most people in the world, it must be a good deal.

You must first determine whether you want to make up the employee medical insurance or the resident medical insurance, the employee medical insurance can be paid in a lump sum after retirement, but the resident medical rubber cover insurance is calculated on an annual basis. In terms of the scope and amount of protection, it is more recommended to pay up the employee medical insurance, although its ** will be higher.

First, decide whether you want to pay for the employee medical insurance or the resident medical insurance.

The difference between employee medical insurance and resident medical insurance mainly lies in the five aspects of different medical insurance populations, different payment standards, different payment standards, different treatment standards, and different payment requirements. In general, the social security of employees will be higher, but the types of risks and problems it protects will be more extensive. If you have enough money, you can pay employee social security, or you can choose to pay resident social security once a year, but the corresponding insurance coverage will be less.

Learn the local social security regulations and calculate the cost performance and expenses.

At the same time, you should also clarify the insurance regulations and differences between the place of retirement and the place of residence, because the different payment periods will also affect your use of medical insurance in the relevant region. For these problems, you must study and understand in detail, and the specific situation depends on the amount and scope of your local social security bureau's payment for medical insurance. Only in this way can you maximize and facilitate your choice and purchase of medical insurance.

The role of medical insurance is to prevent the possibility of a large amount of money when you are sick, and no matter how you choose, it is worth investing.

In any case, as an elderly person, in order to protect their own health and prevent the risk of disease, the purchase of medical insurance is a very necessary and important way. If you are not willing to buy national insurance, you can also try to use commercial medical insurance to supplement, commercial insurance coverage is more targeted, if you want to use a little money to protect, buying commercial insurance is also a good choice. <>

I don't think it's very cost-effective to make up the payment, because it is estimated that you will have to spend more than 100,000 yuan to make up the payment in 15 years, and it will be too much of a loss if you don't get sick after you retire.

I think it's cost-effective to make up for your grandchildren, after all, as long as you make up for it, you can enjoy lifelong treatment. But you need to be aware that it seems that it is not allowed to be re-submitted now.

I don't think it's worth it, because 15 years is too long, so you may not be able to get sick a few times in retirement, and you will lose a lot.

When you retire, you need to pay for 15 years, and you can choose to pay it all at once, because the cost of medical insurance is set according to the average salary in the local area, so it is also a more cost-effective choice for you to pay it all at once. If you need to make a retroactive payment, you can do it, but you will need to check with your local social security office for the exact amount.

Extended information: Medicare Supplementary Payment.

With the continuous development of social economy, in real life, people will encounter all kinds of problems, especially for the retirement age, but the medical insurance is still five years away from 15 years, how much money need to be paid, and many policyholders are very puzzled about this, in fact, we have to know that if the pension insurance is five years away to be able to go to 15 years, then the money we pay is calculated according to our local average salary.

1.First of all, it is important to understand that the cost of health insurance is different in each place.

For example, there are still five years to go, so in order to be able to make up the payment, we can go directly to the local medical insurance bureau to consult the local policy, to see if we can go to the relevant calculation for us at one time, let us make a one-time payment, so we have to calculate according to the company, and most of it depends on the average salary of the local city in the previous year.

2.According to the publicity, the individual's account pension is equal to the amount of personal account storage at the time of retirement divided by the number of months corresponding to the retirement age.

Therefore, when the insured needs to pay how much, it is necessary to calculate the relevant according to the local policy and the local average salary, if we do not understand, we can also go directly to the local medical insurance bureau for relevant consultation, in any case, we must pay the cost of the pension within the specified time, otherwise when we retire, there is no way to receive the corresponding pension, which is still a big trouble for us, in order to avoid this situation, Therefore, it is necessary to make up the corresponding documents within the specified time.

It's not cost-effective, because when you reach retirement age, you're 55 years old, and you have to pay for 15 years of health insurance, which means you have to live until you're 70 years old to pay, and you can't get health insurance outside of 70.

Whether it is cost-effective mainly depends on personal planning, and if it is helpful for your future life after making up the payment, it is naturally cost-effective.

I think it's very cost-effective because the cost of retropayment is very high and you don't necessarily need it.

It is cost-effective, because there is relevant medical insurance every month, which can ensure that you can pay for your expenses when you get old, so it is cost-effective to make up the payment.

It is very cost-effective to make up the payment, and it is relatively cheap to reimburse yourself when you can buy the medicine after the payment.

If the period is less than 25 years, a lump sum of 25 years will be made up at a certain percentage of the salary at the time of retirement (the proportion of supplementary contributions required by local medical insurance). Those who fail to make up the payment in accordance with the regulations shall not enjoy the medical insurance for retired employees.

Treatment. The compensation shall be borne by the individual and the unit separately or in full, and shall be implemented in accordance with local regulations. You can also choose to pay your monthly contribution again and receive medical insurance benefits for active employees.

Medical insurance is not paid according to 15 years, and in many regions, it takes 25 or 30 years for men and 25 or 20 years for women. That means that the average period is also 25 years later. It is clear that this is a significantly higher level with everyone's social pension insurance.

The number of years of payment. Therefore, many people in the process of retirement, even if it is a social pension insurance, if it meets the retirement conditions, they can normally retire and enjoy the pension.

However, because the medical insurance for urban employees does not have the conditions for retirement, we all know that medical insurance cannot retire.

There are local regulations that if you want to make up the medical insurance before you leave, you can also choose to make the normal contribution every year after retirement, until you reach the 25-year period and choose to leave again. However, there are also some regional requirements, you can only choose to make a one-time payment before retirement, if you do not make a supplementary payment, it is equivalent to giving up, and you can not pay again after retirement, we all know that different types of regions have different requirements. We should look at this matter in full combination with the specific requirements of our own jurisdiction, if you can't pay it after retirement in your jurisdiction, then we must make the corresponding supplementary payment before retirement.

When the medical insurance reaches the corresponding cumulative payment period, you can apply for retirement. The advantage of applying for retirement is that you can experience the reimbursement of medical insurance expenses for free for life. As we all know, the reimbursement ratio of medical insurance for urban employees can reach more than 70%.

He compares them to the townspeople.

The reimbursement ratio of medical insurance is definitely much higher, and we all know that we choose to participate in the medical insurance for urban employees.

It has certain benefits for themselves. And many of its social pension insurance meet more than 15 years of payment period. This means that the medical insurance for urban employees has at least 15 years of actual payment period.

We all know that it is important to make up the cost of these 10 years.

If you don't make a retroactive payment, choose to forfeit. That means that the employee medical insurance fees you have paid in the past 15 years have also been wasted, and there is no practical meaning. Since you will not be able to enjoy the retirement policy of employee medical insurance in the end, we all know that we are choosing to make up the payment is our first choice.

Of course, this supplementary payment is carried out in each region according to the previous year's 4% to 8% increase in the average social wage standard. Under normal circumstances, it is necessary to pay a few thousand yuan each year. If you make a one-time payment for 10 years, you should have to pay tens of thousands of yuan, so that you can experience the retirement policy of medical insurance for free for life.

There is a difference in the policy from place to place. Generally speaking, if you don't pay enough, you can't handle it for 25 years, and you can make up for it at one time when you retire.

If you haven't paid for 25 years, you can choose to make up all the remaining years at one time, and you can also choose to retire and then postpone the payment of medical insurance premiums, which can be made in a lump sum.

You can choose to continue to pay medical insurance, general medical insurance can not be paid by yourself, only pension insurance can be paid, anyway, you can use it after paying for a year.

I've been paying social security for 15 years. What should I do if I don't have enough medical insurance?

Hello dear dear, I am glad to answer for you: the answer is: after 15 years of social security payment, you can continue to pay Huina medical insurance until retirement, if you delay retirement for five years or have not paid full medical insurance, you can make a one-time payment at the time of retirement, you can choose to pay only medical insurance after 15 years of social security.

1. You can choose not to pay social security after 15 years, the longer the payment period, the better, and the more money you will get in retirement. 2. If you are in need of medical insurance, you can go to the Social Security Bureau to consult and apply for a separate application for payment, and the medical insurance must be paid until your retirement age. 3. Medical insurance can be transferred back to the place of household registration, and when you retire, the pension will be transferred to your bank account.

Extended information medical insurance refers to social medical insurance.