Legal analysis: it can be paid monthly or for one year at a time. Employees and retirees each pay a large amount of medical insurance premium per month according to 2 yuan money (the monthly payment amount of large medical care varies from region to region). The mutual fund for large medical expenses is jointly paid by the employer and the individual. The employer shall pay 1% of the sum of all employees' salary bases, and the employees and retirees shall pay in 2 yuan every month. If you buy critical illness insurance, as long as the diagnosed disease is the object of protection in the insurance clause, you can get a one-time payment from the insurance company. On the one hand, there is no need to pay medical expenses in advance after illness, and more importantly, it can reduce the burden of personal medical expenses.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Thirteenth employees of state-owned enterprises and institutions to participate in the basic old-age insurance, the basic old-age insurance premiums payable during the payment period shall be borne by the government. When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.