How many years of health insurance do male employees have to pay when they retire?

15 years. Article 21 (conditions for employees to enjoy basic medical insurance benefits).

If the employer and its employees pay medical insurance premiums in accordance with the regulations, the employees can enjoy basic medical insurance benefits from the month following the payment of medical insurance premiums; If the medical insurance premium is not paid, the employee cannot enjoy the basic medical insurance benefits.

If the employer applies for deferred payment of medical insurance premiums in accordance with the relevant regulations, the employee shall not cease to enjoy the basic medical insurance benefits during the approved deferred payment period.

Employers and their employees who should pay but have not paid medical insurance premiums can continue to enjoy basic medical insurance benefits only after paying the medical insurance premiums in full.

If the employer and its employees have paid medical insurance premiums for more than 15 years, the employees can enjoy basic medical insurance benefits after retirement. The calculation of the deemed payment period shall be separately stipulated by the Municipal Medical Insurance Bureau.

In the month in which an employee reaches the statutory retirement age and goes through the retirement formalities, the part of the basic medical insurance premium paid by the employer that is included in his or her personal medical account shall be included in accordance with the standard of the last month of employment. The payment of medical expenses shall be carried out in accordance with the provisions of the basic medical insurance for retirees.

Before the implementation of these measures, retirees who have enjoyed basic medical insurance benefits in accordance with the relevant provisions are not subject to the restrictions of this article.

When reaching the retirement age, the social basic medical insurance must be paid for 25-30 years for men and 20-25 years for women (different regions, different regulations) before they can continue to enjoy the benefits of social basic medical insurance after retirement.

Legal analysis: how many years to pay medical insurance and social security to enjoy the retirement treatment of this medical insurance, the state does not have a unified regulation but is roughly divided into two situations, the first case, women need to accumulate contributions for 20 years, men need to pay for 25 years, then the second case, women need to accumulate contributions for 25 years, men need to pay for 30 years, only to achieve such a one, cumulative payment years, in order to have medical insurance retirement, in order to enjoy lifelong free medical insurance reimbursement treatment.

Because our country's employee medical insurance was officially established in 2001 and paid fees! Therefore, when many people are retiring, in fact, his cumulative payment period is insufficient, because after all, his cumulative payment period is far more than a payment period of pension insurance, so many people are not enough to pay for retirement when they are retired, but the state is allowed to make up the required number of years before retirement, and never talk about the retirement treatment of medical insurance, and enjoy free medical insurance reimbursement for life. Medical insurance stipulates that the insured person is over 60 years old for men, 55 years old for women, and the payment period for men is not less than 25 years, and the payment period for women is not less than 20 years, of which the actual payment of basic medical insurance premiums must be not less than 15 years, and medical insurance benefits can be enjoyed after retirement.

If you do not meet the minimum number of years before retirement, you can make up the medical expenses for the actual number of years of payment in a lump sum.

Legal basis: Social Insurance Law of the People's Republic of China Article 27 Individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, the cumulative contributions reach the national regulations and meet the fixed number of years, after retirement, they will no longer pay the basic medical insurance premiums, 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.

Derivative question: How many types of medical insurance are there?

1. Basic medical insurance for urban employees: if you have a job, the regular unit will register with the social security department, which belongs to the employee medical insurance. In general, companies pay 8%, individuals pay 2%, and those who have a job, freelance or unemployment can also pay employee medical insurance, but the cost needs to be borne by the individual.

2. NCMS Medical Insurance: If you do not have a job, if your household registration is in a rural area, you can participate in NCMS normally, which is called the new rural cooperative medical insurance. Under normal circumstances, individuals only need to pay a few dozen yuan per year, and financial subsidies at all levels are several hundred per year.

3. Basic medical insurance for urban residents: If you have no job and your household registration is located in an urban area, you can participate in the resident medical insurance, which is called the basic medical insurance for urban residents. Similar to NCMS, this kind of insurance is paid by individuals for tens of yuan per year, and financial departments at all levels will subsidize hundreds of yuan.

4. Medical insurance for retired cadres: This kind of insurance is relatively special, and it is a medical insurance for retirees and revolutionary disabled personnel, which is basically fully reimbursed.

Male employees are required to pay for medical insurance for at least 25 years after retirement. When the insured person reaches the age of 60 for men and 55 for women, they will pay basic medical insurance cumulatively.

The number of years of payment shall not be less than 25 years for men and not less than 20 years for women, of which the actual number of years of payment of basic medical insurance premiums must not be less than 15 years, and they can enjoy the medical insurance treatment of retirees.

Extended Information: Classification of Medical Insurance:

1. Commercial medical insurance can be divided into reimbursement medical insurance and compensation medical insurance. Reimbursement-based medical insurance means that the medical expenses incurred by patients in the hospital are reimbursed by the insurance company, which is generally divided into outpatient medical insurance and inpatient medical insurance. Indemnity medical insurance means that the patient is clearly diagnosed by the hospital with a certain disease listed in the contract, and the insurance company pays the patient** and care according to the amount agreed in the contract.

Generally, there are two types of insurance: single illness insurance and critical illness insurance.

2. Allowance payment type.

In short, subsidized medical insurance is a medical insurance in which the insurance company pays the insured on a per-time, daily or project-by-project basis according to the subsidy standard stipulated in the contract. Claims are not related to the actual medical expenses incurred and no invoice is required. It is recommended to buy medical insurance to first consider the issue of reimbursement of medical expenses, and then to consider the problem of compensation for losses caused by hospitalization.

Adequate social insurance.

For those who choose medical insurance, they can give preference to subsidized medical insurance.

3. Expense type.

Expense-based medical insurance is based on the actual medical expenses incurred by the customer according to the insurance amount agreed in the policy.

Payment of insurance benefits. The purpose is to compensate the customer's medical expenses, and the customer needs to issue an outpatient or hospitalization invoice when making a claim, and the scope of the claim is basically the same as that of "social security". In addition, there are strict restrictions on social health insurance. New drugs, imported drugs, and expensive drugs.

It is not covered by social medical insurance.

Within. Social insurance does not reimburse medical expenses caused by traffic accidents. In addition, there are expenses that are often incurred during illness, such as nutrition expenses, nursing fees, and lost work expenses.

etc. are not included in the scope of reimbursement. Therefore, people with medical insurance can consider purchasing cost-based and subsidized complementary hospital medical insurance, and choosing cost-based hospitalization medical insurance is also a useful supplement.

Legal analysis: If you want to enjoy the treatment of medical insurance for life, men and women must pay for 25 years and 20 years of medical insurance before retirement. If you stop paying before you pay the required number of years, you will not be able to enjoy medical insurance benefits.

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

Article 2 The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with the provisions of the State.

Article 28 Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities and emergency and rescue medical expenses shall be paid from the basic medical insurance in accordance with national regulations.

1. Men need to pay for more than 30 years, and women need to pay for more than 25 years.

2. Men need to have paid the opening fee for more than 25 years, and women need to have reached more than 20 years. That is to say, according to your local policy regulations, in line with such a cumulative payment period, then you can normally handle the retirement treatment of medical insurance, of course, for medical insurance retirement treatment, and a prerequisite is that your pension insurance must meet the requirements of retirement, so that your medical insurance can normally handle retirement and enjoy the retirement treatment of medical insurance.

3. In fact, the cumulative payment period of employee medical insurance is not unified across the country, and there is no unity between men and women, so the cumulative payment period of employee medical insurance is roughly divided into these two situations.

Extended information: 1. Because medical insurance has actually begun to be paid officially in 2001, so many people are in retirement when they are retired, and his cumulative payment period is insufficient, so under such a premise, when handling retirement, medical insurance is allowed to complete all the requirements of a payment period at one time, of course, our pension insurance must still have the conditions for retirement, so that the cost of medical insurance can be paid.

2. If your medical insurance retirement treatment can not be handled, that is, you do not enjoy this normal medical insurance retirement treatment, it means that you can not enjoy a real-time medical insurance reimbursement treatment during your own medical treatment and hospitalization in the future, and if you do not handle the medical insurance reimbursement treatment of this employee, even if you want to enjoy the employee medical insurance after retirement, you can no longer enjoy it, of course, you have no way to enjoy it yourself, you can only choose another medical insurance, that is, urban and rural residents' medical insurance.

3. Urban and rural residents' medical insurance is not said to be a loss, so you have to continue to pay the corresponding fees after the retirement age, although this cost is not very high, about 200 yuan per year, but its reimbursement ratio is relatively low, only about 50%.