The payment period of medical insurance is a big problem, which is not only related to the amount that employees have to pay, but also related to whether employees can enjoy the relevant protection normally. Basic medical insurance is divided into basic medical insurance benefits for urban workers and medical insurance benefits for urban residents.

the payment period of medical insurance is only for the basic medical insurance for urban workers, and it is meaningless for the medical insurance for urban residents. The medical payment period of medical insurance for urban workers is calculated according to the number of months you pay. The setting of payment period is a means to prevent the loss of medical insurance fund. Because retirees do not pay medical insurance premiums, they directly enjoy medical insurance benefits.

In order to prevent some people from taking advantage of the policy, for example, some people don't pay medical insurance when they are young and in good health, and only join the basic medical insurance for urban workers when they are about to retire, so they can't pay for a few months until they retire, which will lead to the loss of medical insurance funds, which is obviously unfair to those who pay medical insurance from a young age. The payment period of basic medical insurance for urban workers is calculated cumulatively, which means that it is allowed to be broken during the payment period.

The general medical insurance retirement conditions are as follows: 1. Men who have paid medical insurance premiums for 25 years and women for 2 years, and the length of service before the establishment of local medical insurance is regarded as years; 2. The actual payment of medical insurance premiums is 1 years, that is, 12 months. 3. Reach retirement age, that is to say, get the retirement approval form.

calculation of the actual payment period. after the employer and individual employees pay the basic medical insurance premium according to the basic medical insurance measures, the municipal medical insurance agency will truthfully record the payment period of the employees. Among them, the employer suspended the payment of basic medical insurance premiums, and the municipal medical insurance agency suspended the recording of the payment period of its employees, and the original payment period was retained; Employers and employees continue to pay basic medical insurance premiums, and the payment period of employees is calculated together; Workers due to termination, termination of the labor contract and other reasons to interrupt the payment of basic medical insurance premiums, the municipal medical insurance agency to suspend the record of its payment period, but the original payment period of employees to be retained; Individuals continue to pay the basic medical insurance premiums according to the regulations and employers and employees continue to pay the basic medical insurance premiums after re-employment, and the payment period is calculated together; Retirees who have gone through retirement formalities according to regulations before the implementation of the Measures for Basic Medical Insurance shall not calculate the actual payment period of individuals.

calculation of deemed payment years: The working years of employees of state organs, people's organizations and institutions supplied by finance before the implementation of the Measures for Basic Medical Insurance can be calculated as deemed payment years; The continuous length of service of employees of state-owned enterprises, joint-stock enterprises, joint-stock cooperative enterprises and Chinese employees of foreign-invested enterprises before December 31, 1993 and the payment period of endowment insurance from January 1, 1994 to the implementation of the Basic Medical Insurance Measures can be calculated as the same payment period; The continuous length of service of employees in collectively-owned enterprises before June 3, 1995 and the payment period of endowment insurance from July 1, 1995 to the implementation of the Basic Medical Insurance Measures can be calculated as the same payment period.

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