The number of years when you do not have to pay for medical insurance is as follows: 1. The medical insurance policy stipulates that men have to pay for 25 years in total and women for 20 years. When you reach retirement age, you do not have to pay and you can enjoy the corresponding medical insurance; 2. You can only pay for medical insurance for three consecutive years.

You can enjoy 100% reimbursement within the regulations and cannot stop paying. After the payment is stopped for more than 3 months, the previous payment period will be invalid and the payment period needs to be recalculated; 3. Different local policies vary, and the minimum payment period is 15 years until the retirement age.

You can enjoy benefits after retirement.

Reimbursement standards for medical insurance: 1. Personal account balance in the medical insurance card (equivalent to cash): payment of outpatient medical expenses (except registration fees).

Pay for drug purchases at retail pharmacies.

Pay the personal portion of hospitalization medical expenses.

2. The basic medical insurance fund pays the hospitalization medical expenses of insured persons.

Medical expenses for special disease outpatient services and specific examination items for insured persons.

3. The standard for payment from the basic medical insurance pooling fund is the reimbursable expenses in accordance with regulations minus the threshold fees of hospitals at all levels (e.g., 300 yuan for the first level in Nanchang City; 500 yuan for the second level; 700 yuan for the third level).

4. The annual payment limit of basic medical insurance shall not exceed 100,000/year (Nanchang City).

Expenses that are not reimbursed by the medical insurance fund mainly include: 1. Medical (referral) transportation fees and emergency vehicle fees; 2. Air conditioning fees, TV fees, telephone fees, baby incubator fees, and food incubator fees; 3. Accompanying fees,

Nursing fees, cleaning fees, outpatient decoction fees; 4. Meal expenses; 5. Recreational activity fees and other special living service expenses.