Is the medical insurance payment continuous or cumulative payment?

After the retirement of medical insurance, it is calculated according to the cumulative monthly payment, and the payment can be interrupted in the middle, but it will affect the continuous payment period, and the continuous payment period is linked to your reimbursement ratio, and the shorter the continuous payment time, the less the total reimbursement amount.

Yes, if you don't pay social security for 3 consecutive months, the number of years will be cleared, but the fees in it have not changed, and clearing zero is equivalent to 3 months later, if you pay again, the years will be recalculated, which will affect the number of years of retirement in the future.

Medical insurance must accumulate a certain number of years of payment (including the deemed payment period) at the time of retirement, which is generally stipulated to be 20-30 years, and the actual payment period must reach 5 years (or 10 years) before you can enjoy medical insurance protection for free for life after retirement.

Employee medical insurance process:

1. In accordance with the provisions of the Municipal Human Resources and Social Security Bureau, the employer shall go through the registration procedures for basic medical insurance with the designated social insurance agency. Among them, the newly established employer shall go through the registration procedures for basic medical insurance within 30 days from the date of establishment.

2. If the employer terminates the basic medical insurance registration according to law or changes the registration items, it shall go through the cancellation or change registration procedures with the original registration agency within 30 days from the date of occurrence of the relevant circumstances.

3. When going through the formalities specified in the first two paragraphs of this article, the social insurance agency shall review and approve it according to the requirements of the Municipal Human Resources and Social Security Bureau, and in accordance with the regulations, promptly inform the Municipal Medical Insurance Center of the registration, change of registration or cancellation of registration of the employer.

Legal analysis: Medical insurance is generally paid for 15 consecutive years. Intermediate severance can be accumulated.

Medical insurance is generally paid for 15 consecutive years. Intermediate mold breaking family can accumulate years. Medical insurance is generally paid for 15 consecutive years.

Intermediate severance can be accumulated. Medical insurance is generally paid for 15 consecutive years. Intermediate severance can be accumulated.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 27 When reaching the statutory retirement age, retirees who have paid contributions for the number of years specified by the state shall no longer pay basic medical insurance premiums. However, the prescribed period of time varies from place to place, and the annual limit of the specific local regulations should be used as the standard.

1. Should medical insurance be paid continuously or cumulatively?

1. Medical insurance can be accumulated. When the insured person receives the pension, the basic medical insurance has actually paid for 15 years, and the cumulative payment period of the basic medical insurance is 30 years for men and 25 years for women, and the retirement procedures for medical insurance can be enjoyed only after the retirement procedures of the social security agency with the ID card and retirement certificate.

2. Legal basis: Article 27 of the Social Insurance Law of the People's Republic of China Retirees who have reached the statutory retirement age and have paid contributions for the number of years specified by the state shall no longer pay basic medical insurance premiums. However, the specified period of time varies from place to place, and the specific local regulations shall prevail.

2. What are the interruptions in medical insurance?

1. Before the 25th of each month, if the insured unit delays the payment, it will be charged 2 late fees per day from the date of non-payment;

2. It can be paid for one month, one quarter, half a year or one year at one time. If the payment is made quarterly or annually, the payment shall be made at the beginning of the quarter or the beginning of the year;

3. If you are unable to pay for the time being, you can apply for deferred payment, and the deferred payment period shall not exceed 2 months;

4. If the payment of medical insurance premiums is interrupted, the payment period will be interrupted, and the previous payment period cannot be counted continuously;

5. It should be calculated from the time of repayment. At the same time, from the month when the payment is not made on time, the medical insurance treatment will be suspended;

6. If the supplementary payment is made in time, the medical insurance payment period can be continuously calculated, and the hospitalization expenses incurred during the supplementary payment period will not be supported;

7. However, it can be divided into medical insurance personal accounts. If it is necessary to make up the payment, according to the policy, the social security and medical insurance expenses interrupted in previous years will be paid according to the base standard of this year.

Analysis of the Law Upgrade: Cumulative Payment. The cumulative payment period refers to the total number of years from the beginning of the payment of medical insurance to the final cessation of payment of medical insurance.

The medical insurance agency shall truthfully record the payment period of the employee. Among them, if the employer interrupts the payment of basic medical insurance premiums, the medical insurance agency will suspend the recording of the employee's payment period, and the original payment period shall be retained; If the employer and the individual employee continue to pay the basic medical insurance premium, the employee's payment period shall be calculated together before and after; If an employee interrupts the payment of basic medical insurance premiums due to the termination or dissolution of the labor contract or other accompaniment reasons, the medical insurance agency shall suspend the recording of the payment period, but the original payment period of the employee shall be retained; If an individual continues to pay basic medical insurance premiums and employers and employees continue to pay basic medical insurance premiums after re-employment, the payment period shall be calculated together before and after; Retirees who go through retirement procedures are not counted for the actual number of years of personal contributions.

Legal basis: Article 27 of the Social Insurance Law of the People's Republic of China Individuals who participate in the basic medical insurance for employees who have reached the statutory retirement age and whose cumulative contributions reach the number of years specified by the state shall no longer pay basic medical insurance premiums after retirement, and enjoy basic medical insurance benefits in accordance with national regulations; If the number of years prescribed by the state has not been reached, the fee can be paid until the number of years prescribed by the state.

Legal Analysis: Yes.

If the insured person renews the insurance within 3 months after the insurance is suspended, it will be deemed to be continuously enrolled; If the insurance is suspended for more than 3 months and then renewed, it will be regarded as re-enrolled, and the medical insurance treatment will be enjoyed according to the new insurance, and the continuous insurance payment time will be recalculated, and the payment period before the insurance suspension of the insured employee can be included in the cumulative payment period.

If the medical insurance premiums are not paid in full for 3 consecutive months or more, in addition to the full medical insurance premiums and late fees, the medical insurance benefits will be calculated according to the new insured.

If the employer or the insured person fails to pay the basic medical insurance premiums in full for two consecutive months, the social insurance agency will pretend to suspend the relevant insured's backup medical insurance benefits, and only after paying the relevant medical insurance premiums and late fees according to the regulations can the medical insurance benefits be resumed.

Legal basis: Social Insurance Law of the People's Republic of China

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Article 27 Individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, the cumulative contributions reach the number of years prescribed by the State, and they will no longer pay the basic medical insurance premiums after retirement, and enjoy the basic medical insurance benefits in accordance with the provisions of the State; If the number of years prescribed by the state has not been reached, the fee can be paid until the number of years prescribed by the state.