The medical insurance payment period varies from place to place. Generally, it is 25 years for male employees and 20 years for female employees.

Medical premiums are paid jointly by the employer and the employee. If the employee is not employed, he or she can pay basic medical insurance premiums directly to the medical premium collection agency as a flexible employee.

1. What is the payment period for medical insurance? Basic medical insurance is divided into: basic medical insurance benefits for urban employees and medical insurance benefits for urban residents.

The medical insurance payment period is only for the basic medical insurance for urban employees and has no meaning for the medical insurance for urban residents.

The medical payment period of urban employee medical insurance is calculated based on the number of months you pay.

Setting the payment period is a means to prevent the loss of medical insurance funds.

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 loopholes, for example, some people do not pay for medical insurance when they are young and in good health, and only participate in urban employee basic medical insurance when they are about to retire. In this way, they will not be able to pay for a few months until they retire, which will cause

The loss of medical insurance funds is obviously unfair to people who have paid for medical insurance since they were young.

The payment period for urban employee basic medical insurance is calculated cumulatively, which means that it is allowed to be discontinued during the payment period.

The conditions for retirement under general medical insurance are: 1. The accumulated medical insurance premiums have been paid for 25 years for men and 20 years for women. The length of service before the local medical insurance was established will be regarded as the same number of years; 2. The actual paid medical insurance premiums for 10 years, that is,

120 months.

3. Reach retirement age, which means getting the retirement approval form.

2. How to pay back medical insurance premiums? Units and individuals pay back medical insurance premiums, which are determined based on the city’s average social salary and basic medical insurance rate in the previous year in the year when the back payment is made.

The method of crediting the personal account amount after the back payment of medical insurance premiums: If the medical insurance relationship is interrupted in the same year and the insurance is renewed in the same year, the personal account amount will not be adjusted; if the medical insurance relationship is renewed for more than one year, the amount will be credited in advance from the month of back payment to the medical insurance

The personal account amount at the end of the year and the personal account amount during the make-up period will be credited to the personal account in one go according to the proportion of the age group of the employee at the time of the make-up payment when the account is carried forward at the end of the medical insurance year.

If medical insurance premiums are paid in accordance with regulations when retiring, no adjustment will be made to the personal account that year. When the account is carried forward at the end of the medical insurance year, 3.5% of the payment base will be credited to the personal account.

Medical insurance is a type of social insurance. When workers retire, they must pay for a certain period of time before they can enjoy the corresponding medical insurance benefits.

In view of the different situations of men and women, it is required that the cumulative medical insurance premiums have been paid for men for 25 years and for women for 20 years. The length of service before the local medical insurance was established is regarded as the same number of years.

In addition, the actual payment of medical insurance premiums for 10 years is 120 months.

Legal basis: Article 27 of the "Social Insurance Law of the People's Republic of China": Individuals participating in the basic medical insurance for employees who have accumulated contributions for the number of years specified by the state when they reach the statutory retirement age will no longer pay basic medical insurance premiums after retirement.

Enjoy basic medical insurance benefits in accordance with national regulations; those who have not reached the nationally prescribed years can pay premiums up to the nationally prescribed years.