Retired workers don t have health insurance? What to do if you don t have health insurance after ret

Before retirement, you can apply for medical insurance, and you need to apply to the social security bureau where your household registration is located, and the procedures include: your ID card, two of the recent bareheaded one-inch **, premiums, application forms, etc.

The amount of contribution is calculated based on the local average salary of the previous year, and it is not the same every year.

For example, if the average salary of a community is 20,000 yuan, then the medical insurance is 20,000 * 10% = about 2,000 years.

In addition, the minimum and maximum levels are also stipulated, and the payment of the lowest level shall not be less than 60% of the average monthly wage of employees at the social level, and the highest level shall be 300% of the average monthly salary of employees. Generally, the lowest grade is the majority.

However, if you have already gone through the retirement procedures, you will not be able to pay any social security fees.

You can participate in the basic medical insurance for urban residents, and the medical care of social security is a social welfare insurance with wide coverage, and there is no health limit, as long as you take your ID card to the neighborhood committee of your district to apply. The payment is very cheap, only two or three hundred yuan a year.

If you have been participating in medical insurance before retirement, you can enjoy medical insurance treatment after retirement, if the unit has not paid it, you will not be able to enjoy it, if he is a non-agricultural hukou, he can only pay the medical insurance for flexible employment personnel, if it is an agricultural hukou, he can pay for rural cooperative medical care.

You can also participate in medical insurance when you retire, and you need to apply for it for you from your original unit, and then pay a medical premium. Relevant can go to the local medical insurance bureau for consultation, and the health will affect the participation in medical insurance.

Legal analysis: 1. Have paid medical insurance before retirement. I used to pay for medical insurance, but I stopped paying for a long time in the middle, and now I am retired.

In this case, although you have not reached the number of years you have paid for medical insurance, you can continue to pay for the specified number of years. Many people will be like, but medical insurance has to be paid for 25 years, which is too long. In fact, medical insurance can be paid in a lump sum.

It's just that a one-time payment requires you to take out tens of thousands of dollars at once, so you have to consider your financial situation clearly.

2. Never paid medical insurance. The first point is that many laid-off workers have this situation. Well, this is something that many freelancers or flexible workers do.

Generally speaking, because you have retired, employee medical insurance is definitely not an option, then you can only choose urban and rural residents' medical insurance. In fact, the medical insurance for urban and rural residents is also good, with a maximum of 70% reimbursement, and the older you get, the more you will be reimbursed.

Legal basis: Article 23 of the Social Insurance Law of the People's Republic of China Employees shall participate in the basic medical insurance for employees, and the employer and the employee 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.

If you have participated in the basic medical insurance for urban employees, but it is not enough to pay the minimum payment period, this situation is generally no medical insurance, if you want to get medical insurance, the first thing is to make up for the cost of medical insurance. Therefore, when young people are looking for a job, they must pay attention to the payment of social security, do not feel young, and only care about their salary. When you hear that social security is to bear part of your own salary, you don't want the company to help you pay social security, which is a very insecure thing, so you must ask when you pay social security when you work, because some companies do not pay social security after entry, only after the regularization of social security, some companies are regular for half a year, so half a year after the payment of social security, which is not in line with the provisions of the labor law.

You can apply for medical insurance for urban and rural residents, and you can go to the social security center where your household registration is located with your ID card, which can generally be handled from October to the end of December every year.

A1: The employer has not paid the employee medical insurance. Some employers only apply for pension insurance for employees but do not apply for medical insurance when they take up their jobs, resulting in no medical insurance for employees after retirement.

2. Interrupt the payment when changing jobs, and fail to make up the payment in time. There are also those who interrupted the payment of medical insurance when changing jobs, thinking that they are young and have no illness, so they give up the supplementary payment or renewal of medical insurance.

3. Failure to handle the transfer relationship in time. Some people, especially those who are employed across regions, do not transfer the medical insurance relationship in time when changing jobs, resulting in the interruption of medical insurance, and they do not apply for medical insurance in time when they are employed in a new unit. Fourth, it is caused by the failure to make supplementary contributions before retirement.

Some of them give up medical insurance because the medical insurance supplementary payment fee is too high or the prescribed payment period has not reached the required payment period, and they are unwilling to continue to pay after retirement.

4. Remedial measures. Remedies are divided into the following categories. First, those who have a record of medical insurance contributions.

If there is a medical insurance payment record before retirement, although it has not reached the required payment period, but can continue to pay medical insurance according to the original account, due to the long interruption, there is an observation period, but the medical insurance relationship can be renewed, the payment period can be cumulatively calculated, after the payment of the prescribed payment period, you can still enjoy the treatment of medical insurance retirement. If it is a retirement handled in a foreign country, it can only be paid in a foreign country, and the medical insurance relationship cannot be transferred after retirement.

5. Those who do not have an employee medical insurance account before retirement. Those who do not have an employee medical insurance account before retirement can no longer open an employee medical insurance account after retirement, and can only apply for urban and rural residents' medical insurance at the place of household registration. For retirees, the reimbursement ratio of urban and rural residents' medical insurance can reach up to 70%, and the older the age, the higher the reimbursement ratio, and it can also solve the problem of hospitalization due to illness, but it cannot be accumulated to calculate the payment period, and it needs to continue to pay.

6. Apply for commercial insurance. Due to the age of retirees, there are many restrictions when applying for commercial insurance, and the level of payment is relatively high, so they can choose according to their actual situation.

Question: Can I be reimbursed for hospitalization?

You should go to the insurance company and get yourself a medical insurance. Because medical insurance is very important for a person, we must pay attention to it.

In such a situation, I think you should go to the unit for consultation in time, and you should also find out whether the employer has medical insurance for you.

The pressures of modern society are enormous, and many people need to consider many issues while they are in the workplace. Some employees are also forced to give up five insurances and one housing fund because of family factors and choose to get more direct income. While this is a risky practice, many people have no choice but to do it.

There are also some people who have retired before the payment period has expired because of their short employment time, resulting in the failure to buy all the medical insurance. In this way, there will be a lot of problems, so what should we do in this situation?

1. One-time supplementary payment

In fact, although there is a time limit for the number of years, everyone must pay for 15 years. In order to enjoy basic pension and other benefits, but in view of many intricate phenomena in society, the state has also targeted its own policies to improve. According to the national "Social Insurance Law", even if the most basic fees are not paid, in fact, ordinary people can still choose to pay a lump sum to the national period to enjoy the state's welfare policies.

In fact, according to the different policies of different places, most of the content and policies are also different. Although you can pay the fees according to the number of years, you also need to look at these policies and guidelines in a specific way according to local conditions. Because the regulations on the number of years vary from place to place, there are long and short ones, and you still need to carefully consider and check before making plans.

After all, this is the most embarrassing stage of your life in the future, and it is definitely not a bad thing to make a plan and make a decision early.

2. Implementation of special policies

In fact, due to the late start of China's basic medical insurance system, the state has also made certain changes to the policy in order to take care of the majority of the masses and not to put too much pressure on them. Even if it is not possible to make a one-time retroactive fee, there is no mandatory one-time buyout. Some localities have introduced optimized policies to give preferential treatment to those who retire before the end of 2010, as long as they actually pay for five years.

In other regions, there are also different policies to regulate and control. Behind this reason, it is still because China's medical insurance started late, relatively speaking, the first batch of citizens who have created wealth in the society and have worked cannot get the fee according to the situation at that time. It will be launched for citizens, and it is only necessary to pay the fee to the local ** agency on time from the date of the implementation of the medical insurance.

3. Outside the supplementary payment policy

In addition to the basic catch-up plan, there are actually other options to choose from. Considering that the situation of each household is different, some people have insufficient savings in their hands, and many more relaxed policies have been introduced for the common people in society. The most basic is to participate in basic medical insurance, according to the way of annual payment slowly make up every year, although the amount gap is different, but compared with commercial insurance is still stable, reliable a lot.

Of course, in addition to these plans, you can also go to the relevant insurance company to find out about the purchase of medical insurance. Basically, although he is too old, he still provides some advantageous medical security solutions for the relevant personnel. If you are wealthy, you can consider using this way to make up for the problem of not having basic social medical insurance.

If the employee has retired, but there is no medical insurance, we should not panic in this case, because there is still a way to solve it.

For 10,000 steps, even if we can't solve these problems, at least we can go to our own place of residence to pay for township medical insurance, so there will basically be no problem of "difficulty in seeing a doctor" like before.

If the employee has retired but does not have medical insurance, don't worry, first check whether the medical insurance payment system has a payment record, and if so, you can make up for it according to the principle of renewal; If you do not have an employee medical insurance account before retirement, you can enroll in urban and rural medical resident insurance at the place of household registration.

If the employee has retired but does not have medical insurance, he can actually choose to buy medical insurance by himself, so that he can protect his health.

I think at this time, if you don't have health insurance, you can consider buying some commercial insurance.

Finally, if you still have the budget, you can consider a business pension. According to the latest social security regulations: residents who have reached the age of 45 and are under the age of 60 and have not participated in the insurance are no longer allowed to pay the pension insurance premiums for 15 years at a time, which means that before the age of 45, there must be a social security payment record, otherwise a one-time supplementary payment is not allowed.

You can buy Alipay on the national insurance endowment insurance, you can use your information to calculate, how much to pay, how much you can get in retirement, whether it is enough or whether it is cost-effective can be judged by yourself, it should be noted that the national pension is divided into two parts, the first part is to determine, lifelong pension, the second part is the uncertain dividend income, the most extreme situation may not be, as a pension, focus on the determined pension part, can not be considered as a fixed income, Otherwise, it may affect the retirement life. There are many commercial insurance products that can be used as pensions, and many of them are determined to receive higher amounts than national insurance, so you can learn more.

If the budget is not sufficient, don't worry too much, do a good job of the above mentioned illness protection, you can also transfer the extreme risks in life.

Hello, I'm Tutu, the answerer of the question. I have received your question, typing slowly, sorting out the answer, will definitely reply within 5 minutes, please wait, don't rush Ha [Bixin].

Hello, dear [Bixin], I am glad to be able to answer for you, the process is as follows, a) the proof and materials to be provided:

1.Insured personnel who enjoy the retirement benefits of enterprise employees shall provide retirement certificates;

2.The original and photocopy of the "Employee Retirement and Retirement Approval Form" and "Approval Form for the Deemed Payment Period of Employees' Continuous Service Age" shall be provided by the industry co-ordination retirees;

3.Insured persons who enjoy the retirement benefits of civil servants and employees of public institutions shall provide the original and photocopy of the "Retiree Registration Form" or the "Pension Verification Form for Retirees";

4.The original ID card of the insured person.

2) Handling process:

1.The insured submits the application materials to the retirement medical insurance supplementary payment window;

2.The staff reviews the application materials;

3.If the conditions are met and the materials are complete, they will be entered into the business system after acceptance;

4.After the completion of the process, the "Notice of One-time Supplementary Payment of Basic Medical Insurance for Urban Employees" will be fed back to the applicant, and the applicant will be informed to go through the relevant procedures and pay the fee at the window of the Social Security Department.