Medical insurance can generally be divided into two categories, namely basic medical insurance and commercial medical insurance. Among them, the basic medical insurance is a social insurance system established to compensate workers for economic losses caused by diseases or accidental risks; Commercial medical insurance is a kind of health insurance.
Endowment insurance is a social insurance system established by the state in accordance with relevant laws and regulations to ensure that workers reach the working age limit stipulated by the state, terminate their labor obligations or retire from their jobs because of old age. The purpose is to ensure the basic needs of the elderly through social insurance and provide them with a stable and reliable source of life.
Generally speaking, if the cumulative minimum payment period reaches 15 years before reaching the statutory retirement age, the payment can be stopped when reaching the statutory retirement age; Those who have not paid the old-age insurance 15 years before reaching the statutory retirement age can continue to pay, and can stop paying after reaching the cumulative minimum payment period. However, if you meet the conditions of one-time payment of endowment insurance, you can also choose one-time payment.
Medical insurance can generally be divided into two categories, namely basic medical insurance and commercial medical insurance. Among them, the basic medical insurance is a social insurance system established to compensate workers for economic losses caused by diseases or accidental risks; Commercial medical insurance is a kind of health insurance.
Commercial medical insurance can be divided into reimbursement medical insurance and compensation medical insurance. Reimbursement medical insurance means that the medical expenses spent by patients in hospitals are reimbursed by insurance companies, which are generally divided into outpatient medical insurance and inpatient medical insurance. Compensatory medical insurance refers to the fact that the patient is definitely diagnosed by the hospital with a certain disease listed in the contract, and the insurance company pays the patient's treatment and nursing expenses according to the amount agreed in the contract. Generally divided into single disease insurance and critical illness insurance.
Social security can be paid all year round, and you can enjoy the old-age treatment after paying for fifteen years. It doesn't matter if you interrupt, as long as you pay for fifteen years. The so-called payment base of social insurance refers to the wage base used by enterprises or employees to calculate and pay social insurance premiums. This base multiplied by the prescribed rate is the amount of social insurance premiums that enterprises or individuals should pay.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.
Article 25 The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.
Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.
Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.
The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.