The term of medical insurance is generally calculated on an annual basis.

The payment period and reimbursement period of medical insurance are usually one year cycle, that is, the insurance period is from January 1 to December 31 every year.

Therefore, if you start paying for medical insurance in the middle of a certain year, the insurance period will be calculated from the date you start paying until December 31 of that year.

If you have paid for medical insurance but have not used all the medical insurance funds before the end of the year, this part of the fund will continue to be valid during the insurance period of the following year until it is used up.

Different regions and insurance companies may have different calculation methods for the medical insurance period. The specific situation needs to be determined according to local regulations and policies.

The conditions for medical insurance reimbursement are as follows: 1. Meet the local supplementary medical insurance participation conditions, which generally require an additional payment on the basis of basic medical insurance, and obtain the corresponding insurance certificate; 2. Meet the local supplementary medical insurance reimbursement scope, generally

Add reimbursement items and reimbursement proportions on the basis of basic medical insurance; 3. Comply with the reimbursement restrictions of local supplementary medical insurance, which generally limits the number and amount of reimbursement items based on actual needs and financial affordability; 4. Comply with local

The reimbursement ratio of supplementary medical insurance generally stipulates the reimbursement ratio of different reimbursement items based on actual needs and financial affordability.

To sum up, the reimbursement conditions of supplementary medical insurance may be different in different regions and different time periods, and the specific reimbursement conditions need to be operated according to local policies and regulations.

In addition, when applying for supplementary medical insurance reimbursement, you need to provide relevant documents and information, and apply and review in accordance with prescribed procedures.

Legal basis: Article 7 of the "Medical Insurance Law of the People's Republic of China" Basic medical insurance premiums shall be paid jointly by the employer and the employees.

Among them, the employer pays 5%-7% of the total monthly salary of the employees of the unit, and the basic medical insurance premium rate paid by the employees is not less than 2% of the total monthly salary of the employee.

Article 8 The monthly salary payment of employees shall be determined based on the actual total salary of the employee, but shall not be lower than 60% of the average monthly salary of employees in the city, county, or autonomous county in the previous year. The amount lower than the part of the medical insurance premiums that should be paid by the employee shall be

It is paid by the employer.

Article 9 If the total monthly salary of an employee exceeds more than 300% of the average monthly salary of employees in the city, county, or autonomous county in the previous year, the basic medical insurance premium will not be paid, nor will it be used as the basis for determining personal account quotas.