How many years does medical insurance have to be paid? The payment period of employees' medical insurance participants consists of deemed payment period and actual payment period. The continuous length of service and working years that met the requirements of national and provincial policies before June 5438+February 3 1 2000 shall be regarded as the payment period of employee medical insurance. After 200 1, 1, 1, the actual payment period of employee medical insurance premiums of the employer and its employees is the actual payment period of employee medical insurance; The number of years that the employer and its employees have not paid the employee medical insurance premium cannot be regarded as the payment period.
According to the regulations, the conditions for those who go through retirement formalities before the implementation of the New Deal in June 5438+ 10/shall be subject to the original regulations. After the implementation of the New Deal, the conditions for retirees to enjoy medical insurance benefits are adjusted as follows: the minimum payment period (including deemed payment period and actual payment period) is 25 years for male employees and 20 years for female employees, of which the actual payment period should be at least 10 year. If the minimum payment period is not up to the above standards, the employer can enjoy the medical insurance benefits for employees after making up the medical insurance premiums for employees with poor years at one time. The payment base is the salary declared in the year when I retired, and the payment ratio is 5.6%. All overdue fees will enter the overall fund and will not be included in the personal account.
According to the policy, if the employer fails to pay the employee's medical insurance premium in full and on time after participating in the employee's medical insurance, the incumbent will suspend the employee's medical insurance benefits; Retirees who have met the conditions for enjoying medical insurance benefits for retirees will continue to enjoy medical insurance benefits for employees. If an employer who has participated in employee medical insurance has no employees on the job or is bankrupt, dissolved, revoked or cancelled, the employer will no longer pay the medical insurance premium of 10 year for retirees who have already enjoyed medical insurance benefits, and their retirees will continue to enjoy medical insurance benefits for employees. According to the current policy, you should go through the retirement formalities of old-age insurance in your company (receive the pension every month after retirement), and enjoy the medical insurance benefits after retirement without limitation of years. However, after retirement, your company still has to bear the expenses of 15 yuan for the serious illness relief of retired employees every month.
The payment period of medical insurance is recognized and accumulated nationwide.
How much is medical insurance a year?
Medical insurance is mainly divided into employee medical insurance and urban and rural residents medical insurance, and the annual payment amount of different types of medical insurance is different. For example, 20 17 Shanghai urban and rural residents' medical insurance payment standards are as follows:
1, elderly people over 70 years old: 4,300 yuan per person per year, of which individuals pay 370 yuan;
2. Persons aged 60-69: 4,300 yuan per person per year, of which 535 yuan is paid by individuals;
3. 19-59 years old: 2,900 yuan per person per year, of which individuals pay 720 yuan;
4. Children: RMB 1 100 per person per year, of which 1 10 yuan is paid by individuals.
For example, at present, the contribution rate of social basic medical insurance for employees in Dongguan is 1.8%, and the individual contribution rate is 0.5%. The employer 1 1%, and the individual pays 2%.
20 17 payment standard of medical insurance for urban residents
At present, there is no uniform provision for the payment standard of medical insurance for urban residents in China, which is formulated by provinces and cities according to the actual situation. According to the data of previous years, the annual fund-raising standard for students and children is 100 yuan. Individuals pay medical insurance premiums in 60 yuan, and the rest in 40 yuan are subsidized by the government. Students and children from severely disabled, low-income families and families with special difficulties do not pay fees, and all medical insurance premiums are subsidized by the government. Non-employed urban adult residents raise funds in 560 yuan per person per year, and the standard of payment and subsidy is: 1. Individuals with severe disabilities, people enjoying subsistence allowances, family members with special difficulties and elderly people over 60 years old from low-income families do not pay fees, and medical insurance premiums are all subsidized by the government; 2. Individuals over 70 years old pay medical insurance premiums 120 yuan, and the rest of 440 yuan is subsidized by the government; 3. Other non-employed urban residents pay medical insurance premiums in 330 yuan, and the rest in 230 yuan are subsidized by the government.
20 17 base and proportion of employee medical insurance payment
Payment base: At present, the payment base of medical insurance in China is generally determined by my salary. If my total monthly salary exceeds 300% of the average monthly salary of employees in this city last year, I will pay it according to 300% of the average monthly salary of employees in this city last year. If the total monthly salary is lower than 60% of the average monthly salary of employees in this Municipality last year, it shall be paid according to 60% of the average monthly salary of employees in this Municipality last year. However, due to the actual situation in different places, the specific deposit base is determined according to the local actual situation.
Payment ratio: the proportion of medical insurance contributions of employees in different cities, such as 1 1% paid by employers in Shanghai and 2% paid by individuals.
The role of paying medical insurance premiums
1. The greatest significance of paying medical insurance premium is to improve production efficiency and promote social productivity. Nowadays, many people still pay special attention to the content of medical insurance. Of course, when carrying out medical insurance, they will naturally pay special attention to related expenses. Because only with adequate medical insurance can we work with more peace of mind and improve work efficiency. It is precisely because of medical insurance that even if we encounter some medical problems at work, we don't have to worry too much, because medical insurance premiums can help us solve them easily.
2. The payment of medical insurance premiums actually plays a very important role in social differentiation. To a certain extent, it has made the current medical insurance premium easier and played a very important role in helping many people. With the cost of medical insurance, many people don't have to worry about the cost of seeing a doctor. Some people in society look down on the disease because they have no money, and finally end their lives. However, if you have paid the medical insurance fee before, then you don't have to worry about the medical expenses, and life can naturally become easier.
3. The payment of medical insurance premiums has actually brought great help to the current social stability. Medical insurance enables many of us to see the onset of the disease now, reducing the financial pressure on everyone to see a doctor. Under such social welfare, our society has become more stable, which is of great significance to many of our friends and deserves our attention.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.