If the accumulated payment of the basic medical insurance premium at the time of retirement is insufficient, 7% of the average monthly salary of employees in this city in the previous year will be used to make up for the shortage. "Detailed Rules for the Implementation of the Social Insurance Law of People's Republic of China (PRC)" Article 8 If the medical expenses incurred by the insured in the agreed medical institutions meet the standards of the basic medical insurance drug list, diagnosis and treatment items and medical service facilities, they shall be paid from the basic medical insurance fund in accordance with state regulations. If the insured really needs emergency treatment and rescue, he can seek medical treatment in a non-agreement medical institution; The scope of drugs that must be used for rescue can be appropriately relaxed. The specific measures for the administration of emergency and rescue medical services of the insured shall be formulated by the overall planning area according to the local actual situation.
A necessary prerequisite for retirement from old-age insurance is that the payment period must meet 15 years, and you can enjoy the monthly pension after 15 years!
Medical insurance, one of the five insurances, wants to enjoy retirement benefits, and the payment period is often greater than 15 years!
For example, Guangdong currently requires the province's medical insurance retirement period of 30 years for men and 25 years for women! Only when this payment period is reached can retirees enjoy lifelong medical insurance benefits!
The so-called lifelong medical insurance benefits mainly mean that retirees can enjoy various medical benefits without continuing to pay medical insurance fees (medical insurance for urban and rural residents is to be paid for life); More importantly, personal accounts still have a certain amount of funds transferred out every month!
However, most people have reached the legal retirement age, and the payment period of medical insurance often fails to meet the retirement period requirements of medical insurance! Then came the idea of paying back the money!
Here is a special reminder that the payment of medical insurance is generally divided into three forms:
The first is to choose a one-time payment, which is several years away from the retirement age of medical insurance, and pay for several years at a time;
Second, continue to pay fees until the funds reach the payment period of relevant laws and regulations;
The third is the freedom to choose between the first two (mainly because the cost of one-time payment is too high and may not be affordable for the time being, so I choose to continue to pay and choose one-time payment after the economy improves).
Of course, different regions have different laws and regulations. What kind of medical insurance is implemented locally is subject to the laws and regulations of the local medical insurance bureau!
Legal basis:
Interim Measures for Technical Appraisal of Medical Accidents
Article 36 The expert appraisal team shall comprehensively analyze the role of medical negligence in the consequences of medical accidents, the patient's original disease status and other factors to determine the degree of responsibility for medical negligence. The degree of responsibility for medical negligence in medical accidents is divided into:
(1) Full responsibility means that the damage consequences of medical accidents are completely caused by medical negligence.
(2) The main responsibility means that the damage consequences of medical accidents are mainly caused by medical negligence, and other factors play a secondary role.
(3) Secondary liability means that the damage consequences of medical accidents are mainly caused by other factors, and medical negligence plays a secondary role. (4) Minor liability means that most of the damage consequences of medical accidents are caused by other factors, and medical negligence plays a secondary role.