Do I still have to pay for rural cooperative medical care when I reach the age of 60?

Seniors over the age of 60 who have reached the age of 60 may not pay the payment period when they reach the local standard, and those who do not meet the local standard need to pay the rural cooperative medical care for the specified number of years. Because the national law stipulates that those who participate in medical insurance have reached the number of years stipulated by the state when they reach the retirement age, they do not need to pay again, and if they do not reach the specified number of years, they need to pay the prescribed number of years after retirement to enjoy basic medical insurance without paying.

Social Insurance Law of the People's Republic of China.

Article 16 Participation in basic old-age insurance.

of individuals who have reached the statutory retirement age.

Those who have paid contributions for 15 years or more shall receive a 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 social endowment insurance for urban residents.

Enjoy the corresponding pension insurance benefits in accordance with the regulations.

NCMS is a new type of rural cooperative medical insurance.

He is involved with farmers living in rural areas. Employee medical insurance is an important part of employee social insurance, and its participation object is employees engaged in work. These two are not exactly the same, but they will overlap.

For example, if a farmer comes to the city to work, and the unit where he works buys social security for him, then he has employee medical insurance. If he had already purchased NCMS when he was in the countryside, it would actually be equivalent to duplicate the guarantee. However, according to China's current regulations, if a person who has both medical insurance and NCMS needs to be reimbursed if he encounters illness, he can only choose the one with the higher reimbursement ratio to report, and cannot be reimbursed at the same time.

Under normal circumstances, the reimbursement scope and proportion of employee medical insurance are more extensive than those of NCMS. Therefore, if a farmer goes out to work and the unit buys social security for him, he should mainly use social security, and the NCMS can not buy it. If you can pay social security for 15 years, according to the current regulations, you don't need to buy NCMS when you are old in the future, because he has retirement benefits and can enjoy the medical insurance policy.

However, if you have not paid social security for 15 years, change units or go home to farm, if you have the conditions, of course, you will renew the payment through your own payment method. If there are no conditions, corresponding measures can also be adopted to re-purchase pension insurance and NCMS in rural areas.

Elderly people over 60 years old who have reached the local prescribed payment period can not pay, and those who have not reached the national prescribed number of years can pay until the national prescribed period. The minimum payment period shall be determined by each co-ordinating region according to its own local conditions.

Normal retired workers, because they have been paying five social insurance and one housing fund, to the age of 60, this part of the elderly do not need to pay medical insurance, because they have paid medical insurance and pension insurance for many years, so for medical insurance has completed the payment task, do not have to pay.

Urban medical insurance belongs to the medical insurance paid once a year, is to ensure the basic pension and medical insurance of urban residents, so the 60-year-old people who have been paying this part of the pension insurance, or continue to pay medical insurance, the amount of annual payment according to the provisions of the state.

NCMS is in the nature of insurance, and you can enjoy protection after paying the premium. Whether it was the New Rural Cooperative Medical System in the past or the current medical insurance for urban and rural residents, it is all in the nature of insurance, and the attribute of insurance is to pay the fee first, and then enjoy the protection, and do not pay the fee and do not enjoy the protection. Therefore, although the elderly have reached the age of 60, if they want to enjoy the benefits of the NCMS, they must also pay insurance premiums before they can continue to enjoy the corresponding medical security benefits.

Hello! After reading your description, the elderly over the age of 60 need to pay rural cooperative medical care (now unified as urban and rural residents' medical insurance), and the annual cost is still adjusted**, sick and hospitalized can enjoy the reimbursement regulations, most places in the country are required to pay for life, that is, pay for one year and manage one year. In 2021, the NCMS began to pay fees, and the general deadline was at the end of December.

If there are no special circumstances, the elderly over 60 years old should also pay NCMS. Missed the payment date of NCMS for various reasons, 2021.

In January and February, we should be allowed to make up the NCMS, so we must prepare in advance. However, due to the different regulations in different places, some places stipulate that the elderly over the age of 80 do not need to pay cooperative medical fees, so they should be subject to the specific local regulations, and you can consult locally.

What we call the New Rural Cooperative Medical System is the full name of the new rural cooperative medical care. The new type of rural cooperative medical care refers to the system of mutual medical assistance and mutual aid for farmers that is organized, guided and supported, voluntarily participated by farmers, raised by individuals, collectives and multiple parties, and is mainly based on the overall planning of serious diseases. It raises funds in the form of individual payment, collective support and funding.

At present, China's NCMS has been in accordance with the spirit of Guo Fa (2016) No. 3, that is, the "Opinions on the Integration of the Basic Medical Insurance System for Urban and Rural Residents", the original rural NCMS and urban residents' medical insurance have been integrated into a unified medical insurance system for urban and rural residents. With the establishment of the medical insurance system for urban and rural residents, NCMS has completed its historical mission and replaced it with a medical insurance system for residents with integrated urban and rural areas. Since the medical insurance for urban and rural residents is to adopt the policy of paying for one year and enjoying one year, the payment period is not cumulatively calculated, and even if you reach the age of 60, you must continue to pay medical insurance in order to continue to enjoy the treatment of medical insurance.

So why can't the payment period of urban and rural residents' medical insurance be calculated cumulatively like employee medical insurance? This is mainly determined by the characteristics of medical insurance for urban and rural residents.

At present, China's medical insurance for urban and rural residents is in accordance with the overall planning method at the prefectural and municipal levels, and adopts a combination of individual payment and state subsidies, and the payment standard is relatively low, which is very suitable for residents who do not have a stable income in urban and rural areas of China. Taking 2021 as an example, each person pays 280 yuan per year, the state subsidy is 550 yuan, and the total medical insurance cost is actually 830 yuan. However, this state subsidy is combined with individual contributions, and only on the base of individual contributions, the state will have matching subsidy funds.

In the state subsidy funds, 30 yuan per year belongs to the medical expenses of serious illness co-ordination, that is, after the basic medical insurance reimbursement, if the insured person suffering from a major illness, the self-payment amount of the first reimbursement exceeds the level of per capita disposable income of local residents, the second reimbursement can be initiated. After the two reimbursements, the total reimbursement ratio can reach about 80 to 90 percent, which greatly reduces the burden on the people. Due to the relatively low payment standard, it is necessary to pay an annual fee in order to enjoy medical reimbursement treatment continuously.

I want to pay, my parents are from the countryside, and they pay every year after 60.

Rural cooperative medical care is still to be paid at the age of 60, and it must be paid until the death of the person who has not been clipped.

Medical insurance is not divided into ages, it is a year-long insurance, unlike the pension insurance after the pension insurance is stopped at the age of 60, and the pension is enjoyed every year.

1. Do I still have to pay for rural cooperative medical care when I am 60 years old?

1. The elderly who have reached the age of 60 can not pay the payment period when they reach the local standard. Those who do not meet the local standards need to pay for rural cooperative medical care for a specified number of years. Because the national law stipulates that those who participate in medical insurance have reached the number of years stipulated by the state when they reach the retirement age, they do not need to pay again, and if they do not reach the specified number of years, they need to pay the prescribed number of years after retirement to enjoy basic medical insurance without paying.

2. Legal basis: Article 58 of the Social Insurance Law of the People's Republic of China stipulates that an employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

2. Do I still need to pay for rural cooperative medical care if I have social security?

If you have social security, you don't need to pay for rural cooperative medical care. NCMS refers to medical insurance, and social security refers to five insurances, including endowment insurance, medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance. General residents pay for urban residents' medical insurance, and employees pay for employee medical insurance.

Although both social security and NCMS can be bought, you can only choose one of them for medical treatment**, and there will be no duplicate reimbursement. Both types of medical insurance have a higher reimbursement ratio than NCMS.

Legal analysis: The elderly who have reached the age of 60 can not pay the payment period when they reach the local standard, and those who do not meet the local standard need to pay the rural cooperative medical care to the specified number of years. Because the national law stipulates that those who participate in medical insurance have reached the number of years stipulated by the state when they reach the retirement age, they do not need to pay again, and if they do not reach the specified number of years, they need to pay the prescribed number of years after retirement to enjoy basic medical insurance without paying.

Legal basis: Article 16 of the Social Insurance Law of the People's Republic of China.

Individuals who participate in the basic pension 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.

Seniors over 60 years old who have reached the local regulations can not pay, and those who have not reached the deadline must pay to the specified number of years in order to enjoy the basic medical insurance benefits.

Cooperative medical care, the full name of the new rural cooperative medical insurance, is a welfare medical system that implements mutual assistance in disease prevention and treatment on the basis of voluntary mutual assistance of the masses, relying on the collective economy. Cooperative medical care is a medical security system created by the farmers themselves in China, which has played an important role in ensuring that farmers have access to basic health services and alleviating the poverty caused by illness and the return to poverty due to illness.

The new type of rural cooperative medical care (hereinafter referred to as "NCMS") refers to the system of mutual medical assistance and mutual aid for farmers that is organized, guided and supported, voluntarily participated by farmers, raised by individuals, collectives and multiple parties, and mainly based on the overall planning of serious diseases. It raises funds in the form of individual payment, collective support and funding.

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, and so forth. 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 24: The State is to establish and improve a new type of rural cooperative medical system.

The management measures for the new type of rural cooperative medical care shall be stipulated by ***. Article 25 The State shall establish and improve the basic medical insurance system for urban residents.

The basic medical insurance for urban residents implements a combination of individual payment and subsidy.

Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families, etc., will be subsidized by **.

Rural Hepao Shizuo Medical Care is a basic medical and physical care insurance system that aims to provide medical protection for rural residents through social sharing and personal responsibility.

According to the relevant regulations, rural residents over the age of 60 can participate in rural cooperative medical insurance free of charge. If you are 60 years old or older, you no longer need to pay for Rural Cooperative Medical Insurance.

However, rural residents over the age of 60 can choose to purchase other medical insurance at the same time as participating in rural cooperative medical insurance, so as to further increase the level of medical security. It is recommended that you choose the medical insurance plan that suits you according to your actual situation and needs.

There is no age limit for this, and there is no health insurance at the age of 100. Don't believe the rumors, the medical insurance for urban residents and the new type of rural cooperative medical care have already started to be charged, and the deadline for charging is approaching, don't think about good things, you have to hurry up if you want to pay.

When you are sick and hospitalized, you will be charged 75% of the cost of rural cooperative medical care, so why not? After the age of 60, you can also receive a subsidy of 108 yuan per year to solve the problems in your life, so the elderly over 60 years old must pay rural cooperative medical care, which will help you in the future and you now, and I hope that the elderly can live happily.