Do I still need to pay medical insurance after I am 60 years old, and do I still need to pay medical

Whether the medical insurance is paid after the age of 60 depends on the situation.

Only a small percentage of people over the age of 60 do not need to pay for health insurance, but not all 60-year-olds do not pay for health insurance. According to the relevant regulations, retired employees who have five insurances and one housing fund do not need to pay after the age of 60, and in addition, for the elderly with family difficulties or five insurance households, the state will also exempt the payment of medical insurance after the age of 60. It should be noted that urban medical insurance is an insurance that is paid once a year, and it is the insurance that guarantees the basic pension and medical care of urban residents, and is the most basic guarantee.

Medical insurance refers to social medical insurance. It is the basis of the state and societyLaws and Regulations, a social insurance system for the basic medical needs of workers in the event of illness. The personal account of medical insurance is a special account set up according to the basic medical insurance policy to store the medical insurance premiums paid by the insured and the funds allocated in a certain proportion of the employer's payment, and to record the medical consumption.

Funds in the personal account are used to cover the out-of-pocket costs of medical treatment and drug purchases.

Article 16 of the Social Insurance Law of the People's Republic of China Individuals who participate in the basic endowment insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis.

Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

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.

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, and so forth.

Only a small percentage of people over the age of 60 do not need to pay for health insurance, but not all 60-year-olds do not pay for health insurance. Our Social Insurance Law.

It is clearly stipulated that retired employees are insured with five insurances and one housing fund.

After the age of 60, there is no need to pay; In addition, for the elderly who have family difficulties or five-guarantee households.

After the age of 60, the state will also exempt from the payment of health insurance.

It is important to note that urban medical insurance.

It is an insurance that is paid once a year, and it is the insurance that guarantees the basic pension and medical care of urban residents, and it is the most basic guarantee.

of 60-year-olds also need to continue to pay medical insurance. However, the severely disabled, those who enjoy the subsistence allowance, those from families with special difficulties and the elderly over 60 years old from low-income families do not pay the premiums, and the medical insurance premiums are all subsidized by **.

Payment standard: The annual financing standard for students and children is 100 yuan, and the individual pays 60 yuan for medical insurance, and the remaining 40 yuan is subsidized by **. Students and children with severe disabilities, subsistence allowance and special difficulties do not pay for individuals, and all medical insurance premiums are subsidized by **.

Rural health insurance.

The ultimate goal is to make ordinary farmers able to tolerate disease, especially the low economic income of the elderly in rural areas, if they join the rural medical insurance, almost all medical expenses can be reimbursed, especially for serious illness and serious illness, will be more preferential, or rural medical insurance is a medical insurance for farmers to save their lives.

How long does it take to repay after the medical insurance is discontinued?

It takes a certain amount of time for social security to be interrupted and renewed and then returned to normal, which is divided into two situations according to the interruption time: 1. Under normal circumstances, within three months, after going through the normal payment procedures, you can enjoy normal medical insurance treatment from the second month. 2. If the payment is interrupted for 3 months (inclusive) in a row, it will be regarded as the interruption of the insurance, and if you want to enjoy the medical insurance treatment after the interruption of the insurance, you need to attach the condition of continuous payment for 6 months after going through the renewal procedures.

Resident medical insurance must be paid after the age of 60, and if it is not paid, it will affect the reimbursement of medical expenses and will cause disadvantage to life, as follows:

1. Affect the reimbursement of hospitalization, if you continue to pay, as long as the reimbursement standard is reached, a certain percentage of medical expenses will be reimbursed, and if you stop paying, you will lose the right in this regard; Letter Arrest Search.

2. You have to pay for your own medicine. If you pay it, the insurance card will be invalid, and you can only pay for the medicine at your own expense;

3. It will affect the subsequent surrender of NCMS. If it is handed over every year, NCMS will have a good record, and if it is paid in the middle, it will be more troublesome to renew it in the future, and relevant certificates may be required. Procedure:

1) Apply for and actively pay cooperative medical fees;

2) The village committee reviews and submits the fund-raising roster and fund-raising bills to the town management station;

3) The town joint therapy office will review, review the financing form of the joint therapy, and apply for a visa to the county joint therapy center;

4) After the county joint therapy management center reviews and finds it correct, it will apply for a visa, seal it, log in, and confirm it.

Legal basisArticle 24 of the Insurance Law of the People's Republic of China.

After making an assessment in accordance with the provisions of Article 23 of this Law, the insurer shall, within three days from the date of making the verification, issue a notice of refusal to compensate or refuse to pay the insurance money to the insured or beneficiary if it is not an insurance liability, and explain the reasons.

Article 25.

If the amount of compensation or insurance money cannot be determined within 60 days from the date of receipt of the request for compensation or payment of insurance money and the relevant certificates and materials, the insurer shall pay the amount that can be determined according to the existing proof and materials; After the insurer finally determines the amount of compensation or insurance money to be paid, it shall pay the corresponding difference.

After 15 years of full social security payment, you can no longer pay the premium.

If there is a unit, even if the employee has not retired after 15 years, the enterprise must continue to pay the fee until retirement; Individuals pay social security, can stop paying, can also continue to pay, according to local policies, must also be Xiangyin continue to pay well, pension insurance is to follow the principle of "pay more, get more", the higher the payment base, the longer the number of years, the more pension when retirement.

You can also choose not to pay for medical insurance, but if you don't, you can't enjoy medical insurance benefits before retirement.

You also need to pay attention to the following issues:

1. Social security needs to wait until the retirement age is reached to handle retirement before receiving a pension. Retirement age (60 years for men, 55 years for women).

2. If you have not reached the retirement age and stop paying the premium to retirement, you will not be able to enjoy medical treatment. After retirement, you can enjoy medical treatment. This can be replaced by agricultural cooperative medical care or urban and rural medical care.

3. The local policy of social security is different, it is recommended that you go to the social security department for direct consultation, and the endowment insurance can be consulted locally**: 12333; The most authoritative.

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