Social basic medical insurance Men must pay 25-30 years when they reach retirement age (different regulations in different regions), and women must pay 20-25 years before they can continue to enjoy social basic medical insurance benefits after retirement.
Pension insurance must be paid for 15 years (including deemed payment) and reach retirement age (60 years for male employees, 50 years for female employees and 55 years for female cadres) before they can enjoy pension benefits.
Personal medical insurance means that individuals use various insurance tools to build their own medical security system, including social medical insurance and commercial medical insurance.
Personal medical insurance means that individuals use various insurance tools to build their own medical security system, including social medical insurance and commercial medical insurance.
Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection. Employers and individuals pay insurance premiums according to a certain proportion and establish social medical insurance funds to pay medical expenses for employees. Individuals only need to pay the money to the relevant departments of their units or enterprises every month, or they can pay it at the local social security bureau.
Commercial medical insurance refers to profitable medical insurance operated by insurance companies. Consumers pay a certain amount of insurance money, and they can get a certain amount of medical expenses from insurance companies when they encounter major diseases. Social medical insurance has the characteristics of "low level and wide coverage", and the degree of protection is far from enough, so it needs commercial medical insurance as a supplement. By paying social medical insurance and supplementing commercial medical insurance, we can effectively build a personal medical security system and prevent risks.
Personal medical insurance is a supplement to social insurance. Because social insurance has the lowest payment, no self-reimbursement and exclusive responsibility, it is necessary to purchase personal medical insurance, which can provide full and comprehensive protection.
Personal endowment insurance is a kind of personal insurance for urban and rural residents. All urban and rural residents who are 16 years old, healthy and have the ability to work or work normally can apply to the insurance company for insurance.
The insurance period of individual endowment insurance includes insurance premium payment period and pension collection period. The insurance premium payment period begins when the insured goes through the insurance formalities and pays the first premium, and ends when the agreed payment period expires; Pensions are collected from the month following the expiration of the payment period agreed by the insured until the insurer's insurance liability is terminated.
The insurance contract of individual pension insurance bears the following insurance responsibilities to the insured: during the pension period, the insured can get a fixed annuity of 10 years. If the insured dies during the fixed annuity period, the beneficiary (the legal heir if no beneficiary is specified) can continue to receive 10 years, and the insurance liability is terminated; If the insured is still alive after receiving the 10 fixed annuity, he can continue to receive the pension until his death, and the insurance liability is terminated; If the insured dies within the insurance payment period, he can receive the death surrender money according to the regulations, and the insurance liability is terminated.
Individual endowment insurance can be paid monthly, quarterly and annually, or it can be paid in one lump sum when insured. The monthly insurance premium of each insured shall not be lower than that of 20 yuan, and the annual insurance premium shall not be lower than that of 200 yuan. The age of starting to receive pensions is 50, 55, 60 and 65 respectively, and the insured can choose the grade that they think is most suitable. The insured has paid the insurance premium for two years. If it is urgent, he can apply for a loan from the insurance company with the certificate. The loan amount shall not exceed 70% of the cash value of the insurance policy and the loan period shall not exceed 7 months. The principal and interest of the loan shall be repaid at the maturity of the loan. If the loan is not repaid within the time limit, the insurance effect will be terminated when the loan principal and interest reach the surrender amount.