How many years do you have to pay for medical insurance for residents, and how many years do you nee

Medical insurance generally refers to basic medical insurance.

It is a social insurance system established to compensate workers for economic losses caused by the risk of illness. Establish medical insurance through employer and individual contributions**.

After the insured person incurs medical expenses for medical treatment, the medical insurance institution shall give him certain economic compensation.

1. When the insured person reaches the age of 60 for men and 55 years for women, the cumulative number of years of payment of basic medical insurance premiums is not less than 25 years for men and not less than 20 years for women, of which the actual payment of basic medical insurance premiums must be not less than 15 years, and they can enjoy the medical insurance treatment of retirees. Basic pension insurance before the implementation of this notice.

It is regarded as the payment period and the cumulative payment period of basic medical insurance premiums. If the actual payment or cumulative payment period does not meet the minimum payment requirements, the medical insurance premiums of the actual payment period shall be made up at one time, and the medical insurance premiums of the cumulative payment period shall be made up before the medical insurance benefits of retirees can be enjoyed. The medical insurance premiums paid in the supplementary payment shall be calculated according to the payment base and payment rate at the time of supplementary payment.

2. Unemployed persons of state-owned enterprises, when they continue to pay premiums until they reach the age of 60 for men and 55 for women after participating in the insurance, if they meet one of the following conditions, they can not be subject to the restrictions on the cumulative payment period and the actual payment period.

In summary, medical insurance is calculated on a monthly basis, and each time you start paying again, you have to accumulate three months to be eligible for medical insurance benefits. Men are required to pay for 25 consecutive years, while women are required to pay for 20 consecutive years, and as long as the number of years of health insurance is met and there is no interruption in the cost during this period, they can continue to enjoy health insurance benefits after retirement.

According to the data of previous years, 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 **. Non-employed urban adult residents will be raised at the rate of 560 yuan per person per year, and the payment and subsidy standards are as follows:

1. Severely disabled persons, persons enjoying subsistence allowance treatment, persons from families with special difficulties and elderly people over 60 years old from low-income families do not pay for individuals, and all medical insurance premiums are subsidized by **;

The elderly over the age of age pay 120 yuan for medical insurance, and the remaining 440 yuan is subsidized by **;

3. Other non-employed urban residents pay 330 yuan for medical insurance, and the remaining 230 yuan is subsidized by **.

2017 Medical Insurance Payment Standards for Urban Residents.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Resident medical insurance is paid first, then enjoyed. There is no need to pay for many years, but every year. If you don't pay, it's useless.

There is no limit to how many years urban and rural residents need to pay for medical insurance.

There is no minimum payment period for urban residents' medical insurance, and they must pay every year. The minimum payment period for urban employees' medical insurance is established, and those who reach the payment period (25 years for men and 20 years for women) can enjoy the basic medical insurance treatment after retirement.

The differences between urban residents' medical insurance and registered employees' medical insurance are as follows:

1. Facing different crowds. The medical insurance for urban employees is mainly for in-service employees and retirees who have a job or are engaged in the individual economy. The medical insurance for urban residents is mainly for the elderly residents with urban household registration who do not work, the recipients of the subsistence allowance, the severely disabled, students and children, and other urban non-employees;

2. The payment standard is different from **. The medical insurance for urban employees shall be jointly paid by the employer and the individual employee, and shall not enjoy the first subsidy. The payment standard of medical insurance for urban residents is generally lower than that of employee medical insurance, and appropriate subsidies will be given on the basis of individual contributions;

3. The standard of treatment is different. Due to the low level of financing, the standard of medical treatment for urban residents is slightly lower than that of employee medical insurance.

4. The payment requirements are different. The minimum payment period for urban employee medical insurance is established, and if the payment period is reached (25 years for men and 20 years for women), no longer pay after retirement, that is, Xinchong can enjoy basic medical insurance treatment; There is no minimum payment period for urban residents' medical insurance, and they must pay every year.

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 prescribed by the State shall no longer pay the basic medical insurance premiums after retirement, and shall 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 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.

Basic medical insurance for urban residentsThe payment period is generally 25 years for men and 20 years for women.

Those who meet the requirements of the state for the number of years and have reached the statutory retirement age can enjoy basic medical insurance benefits in accordance with the provisions of the state.

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

Article 16. Participate in the basic pension 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.

Instructions on health insurance

Medical insurance has the basic characteristics of social insurance, such as compulsory, mutual aid and sociality. Therefore, the medical insurance system is usually legislated by the state, and the mandatory implementation implies the implementation, and the establishment of a first-class system, the cost is paid by the employer and the individual, and the medical insurance premium is paid by the medical insurance institution, so as to solve the medical risk caused by the illness or injury of the worker.

As of October 2022, 2,860 drugs have been included in the national medical insurance catalog, and 67% of the marketed drugs in China have seen diseases.

The medication is all in it. In the past 10 years, the number of people insured by China's medical insurance has increased from 100 million to 100 million.

The above content reference: Encyclopedia - Medical Insurance.

For those who participate in basic medical insurance, men need to pay for 30 years, and women need to pay for 25 years. Men with a cumulative contribution period of 30 years and women with a cumulative contribution period of 25 years can enjoy retirement medical insurance without continuing to pay after retirement.

Other cases of discontinuation and supplementary payment of medical insurance.

1. Employees of the unit can generally enjoy medical insurance benefits from the next month after paying medical insurance, and if the payment is interrupted halfway, the medical insurance reimbursement treatment will be resumed from the next month after the supplementary payment.

2. If the flexible employment person pays the urban medical insurance, part of the outpatient medical expenses can be reimbursed from the next month, and it is generally necessary to pay for 3-6 months in a row, and the medical insurance reimbursement can be carried out normally, and the payment will be repaid again after the payment is stopped, which is the same as the initial payment policy, and the reimbursement can be resumed after the corresponding payment time requirements are met.

3. Users who pay for resident medical insurance generally make annual payment from September 1 to December 31 every year, and can enjoy the reimbursement of the next year after payment, and lose the medical insurance reimbursement benefits of the next year if they do not pay in the next year.

Therefore, when you pay medical insurance, you must understand your local policy situation clearly, and ensure that the medical insurance is effective at any time when you need to be reimbursed, and you can enjoy the welfare of the state at any time.

Do you have to pay for rural medical insurance for a lifetime?

It must be paid every year. Rural medical insurance is paid for one year, if not paid, then this year can not enjoy medical insurance, if next year in the payment can be insured for one year. That is to say, the rural medical collapse code is guaranteed for one year.

There is no limit to how many years you can deliver. Farmers pay a certain amount of cooperative medical funds every year, and the collective and the first can also invest a part of it to form a special project, and farmers can be reimbursed for medical expenses according to a certain proportion when they seek medical treatment. The annual payment standard for individual farmers should not be lower than 10 yuan, and in areas with good economic conditions, the payment standard can be increased accordingly.

Whether or not the employees of township enterprises (excluding those who participate in the new rural cooperative medical care with peasant families as a unit) participate in the new rural cooperative medical care shall be determined by the county people.

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 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.

Flexible employment medical insurance can only be enjoyed for life after 25 years.

The minimum payment period for men shall not be less than 25-30 years; Not less than 20-25 years for females. in basic medical insurance.

Before the implementation of the system, meet the relevant statutory continuous service years or participate in the basic pension insurance.

The number of years is regarded as the number of years of payment.

Flexible workers.

Medical insurance, like employee medical insurance, requires 25 years of contributions before reaching the statutory retirement age.

After enjoying medical insurance. Medical insurance is divided into employee medical insurance types and urban resident medical insurance types.

The medical insurance paid by flexible employees belongs to the type of employee medical insurance, and they must pay for 25 years in order to enjoy medical insurance for life after reaching the statutory retirement age, and the reimbursement ratio of employee medical insurance.

Large, and there is an annual outpatient rebate, which is the most suitable medical insurance.

The difference between medical insurance for urban employees and medical insurance for urban and rural residents:

The first is that their participation in the insurance contribution level is different, which is also the biggest difference. If you choose urban employee medical insurance, if you say that you do not have a work unit and are an individual, you can participate in the insurance according to the flexible employment method.

The cost of each year is about 3,000 yuan to 4,000 yuan, and some areas may be close to the level of 5,000 yuan. If you participate in the medical insurance for urban and rural residents, the national unified payment standard of 350 yuan this year is relatively low. So obviously, the difference between the two is still relatively large.

1. Male comrades need to pay medical insurance for 25 years, and female comrades need to pay for 20 years, and when they reach the retirement age and are approved by the relevant labor departments, they can enjoy the treatment of reimbursement of drug expenses.

2. The minimum payment period of endowment insurance is 180 months, that is, 15 years, guessing that you can pay more, and then you can receive more at the same time, endowment insurance can accumulate the payment period, that is, intermittent payment is allowed.

3. Medical insurance needs to be paid for at least 25 30 years, and you can apply for pension treatment and medical reimbursement when you reach the retirement age, as long as you renew the premium, you can usually do it, and the current retirement age is: 60 years old for men, 55 years old for women, of course, engaged in high-risk work, loss of ability to work and other special circumstances can apply for early retirement and receive a pension to be told to be stopped.

4. When you reach the retirement age, you can apply for medical insurance retirement benefits after 30 years of medical insurance (25 years for women).

Men need to pay for 25 consecutive years, while women need to pay for 20 years, as long as the medical insurance branch meets the requirements in terms of years and there is no interruption in the period, and then do not pay, and can continue to enjoy the medical leakage insurance treatment after retirement.