Do you have to pay for medical insurance every year, and do you have to pay for medical insurance ev

The right pension can be accumulated, and the medical insurance must be continuous.

I'm not going to pay the mobile phone medical premiums there.

Medical insurance has to be paid every year, and the payment period is 30 years for men and 25 years for women.

1. According to the relevant laws and regulations, individuals who participate in the basic medical insurance for employees who have reached the statutory retirement age and have paid for the number of years specified by the state shall no longer pay the basic medical insurance premiums after retirement, and enjoy the basic medical insurance treatment 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.

2. According to the current basic medical insurance policy, when the medical insurance flexibly employed persons reach the retirement age, the male insured persons shall pay for 30 years and the female insured persons shall pay for 25 years. If the prescribed number of years of medical insurance payment is not reached, it can be liquidated in a lump sum when retired.

3. Different from endowment insurance, social basic medical insurance must pay enough for 25-30 years for men and 20-25 years for women when reaching retirement age (different regions, different regulations) before they can continue to enjoy social basic medical insurance after retirement. If you fail to reach the required number of years of medical insurance contributions when you reach the retirement age, you can make up the number of years of medical insurance contributions in a lump sum before retirement according to the current regulations.

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

1. 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.

2. 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.

3. Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and medical expenses for emergency and rescue, in accordance with the provisions of the State from the basic medical insurance **.

4. Medical insurance refers to social medical insurance. It is a social insurance system for the basic medical needs of workers when they are sick in accordance with laws and regulations. On January 12, 2016, the "Opinions on the Integration of the Basic Medical Insurance System for Urban and Rural Residents" was issued to promote the integration of urban residents' medical insurance and the new rural cooperative system, and gradually establish a unified medical insurance system for urban and rural residents nationwide.

On December 20, 2016, the Ministry of Human Resources and Social Security held a national network of basic medical insurance and direct settlement of medical treatment in other places, and signed a letter of responsibility with 22 provinces such as Beijing that applied for the first batch of national networking of basic medical insurance and direct settlement of cross-provincial and remote medical treatment, marking the official transfer of direct settlement of cross-provincial and remote medical treatment into the implementation stage. In June 2021, the statistical bulletin showed that in 2020, the number of people enrolled in basic medical insurance nationwide was 136131 million, and the participation rate remained stable at more than 95%.

Medical insurance must be paid every year, if it is not paid, it will affect the reimbursement of medical expenses, and it will also cause disadvantages 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;

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 interrupted 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, 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.

Legal analysisThere is no provision that medical insurance must be paid every year, and users can see whether they need to pay according to their family situation. The payment of medical insurance for urban and rural residents follows the principle of freedom, and everyone can decide whether to pay or not.

The medical insurance for urban and rural residents is paid for one year, and they can enjoy lifelong rights and interests if they do not pay for many years. Moreover, the cost of urban and rural medical insurance is relatively low, and the reimbursement ratio enjoyed by hospitalized and sick users is also lower than that of employee medical insurance.

Legal basisSocial 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, they will no longer pay the basic medical insurance premiums after retirement, and enjoy the basic medical insurance treatment 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.

1. Medical insurance needs to be paid every year, and it is paid once a year, if you do not pay this year, then you will not be able to enjoy medical insurance this year, that is to say, you can enjoy one year of protection if you pay one year, and you can enjoy how many years you can enjoy if you pay for one year.

2. Medical insurance pays a certain amount of medical funds every year, and then the local government and the state will also invest a part to form a special medical insurance, so you can reimburse the corresponding medical expenses according to a certain proportion when you seek medical treatment.

3. Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation.

4. The establishment and implementation of the basic medical insurance system gathers the economic strength of the unit and the members of the society, coupled with the funding of the first class, which can enable the sick members of the society to obtain the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick members of the society from "becoming poor due to illness".

1. It can be used to reimburse the cost of hospitalization, and the 320 yuan medical insurance card paid every year is what we call the medical insurance for urban and rural residents, that is, after the insured person participates in the insurance, during the illness or hospitalization, the outpatient expenses of hospitalization and special diseases that meet the requirements can enjoy the compensation of medical expenses.

2. Risk reduction: The medical insurance for urban and rural residents adopts a combination of individual payment and subsidy to reduce the medical risk of non-in-service employees and ensure the living welfare of urban and rural residents.

3. Provide physical health protection: When the insured person is in good health, the insurance premium paid can be used to help other insured patients.

The role of medical insurance paid annually is to give you a guarantee for your health in the next year. When people eat whole grains, it is inevitable that they will get sick. If there is a day when you get sick, the health insurance you pay will work.

You can be reimbursed for the medical expenses you spend in the hospital, reducing your financial burden. For the sake of health, it is okay to pay medical insurance with the shed, or the spike shed.

The medical dust and healing insurance we pay every year means that when we are hospitalized, Pai Na can give us a guarantee and reimburse part of the medical expenses, which can reduce our financial burden.

In this way, when you are sick and hospitalized, you can be reimbursed for part of the first medical effect, and at the same time, you can accumulate a certain number of years, and when you retire, you can enjoy medical insurance without paying money.

In general, medical insurance needs to be paid every year. Although there are several different forms of social medical insurance, they all belong to the type of insurance that you have if you pay and lose your insurance if you don't. For example, the employee medical insurance belongs to the employer for the employee, as long as the employee has been in the state, then the fee must be paid all the time.

The medical insurance for urban and rural residents and the New Rural Cooperative Medical System are paid by the insured individually, and they are generally paid every year, if they do not pay, they cannot enjoy the medical insurance treatment.

For employee medical insurance, medical insurance only needs to be paid for a certain number of years, and after reaching retirement age, there is no need to continue to pay, and you can enjoy lifelong medical insurance treatment. In general, 25 years for men and 20 years for women. However, it should be noted that it does not mean that you do not need to pay again after 25 years, and the premise of exemption is after retirement, so if you have paid enough years before retirement, you still need to continue to pay until retirement.

For medical insurance for urban and rural residents, the number of years of individual payment is not cumulative, and only one year can be paid for one year. If you stop paying premiums, you will not be able to enjoy medical insurance benefits in the coming year. Whether it is a young person or a 70-year-old person, as long as they participate in the medical insurance for urban and rural residents, they have to pay every year.

For rural cooperative medical care, like urban and rural residents, it is generally paid once a year, about a few hundred yuan at a time, and the next payment will not be until the next year.

Therefore, for different forms of medical insurance, it is generally paid every year, and you can choose according to your actual situation.