It is cost-effective to pay 65438+ 10,000 medical insurance. For retirees, employee medical insurance is as important as pension. Receiving a monthly pension can guarantee a basic life after retirement. Employee medical insurance can reduce the economic burden of medical treatment for us, let our basic medical insurance bear the risk of serious illness, and ensure that employees and retirees will not be poor or return to poverty. Related information: First, for retirees, if they have paid the prescribed number of years of medical insurance, the highest reimbursement rate of medical insurance for retirement can reach 98%. Second, the medical insurance card will pay back the money every month, which can be mainly used to see a doctor and buy medicine. Thirdly, when hospitalized, the threshold of hospitals at all levels is relatively low, generally around 1300 yuan. Fourth, after the medical insurance has been paid for a certain number of years, you can enjoy medical security benefits without paying medical insurance after retirement, but you must pay serious illness insurance. The main difference is that the cumulative payment period of medical insurance far exceeds the cumulative payment period of endowment insurance, because the payment period of endowment insurance is unified throughout the country. As long as both men and women meet the conditions of 15 anniversary, they can retire normally and enjoy the treatment of receiving basic pension on a monthly basis. However, medical insurance is not unified in the whole country, and there is actually a payment period of nearly five years between men and women, so many people are talking about it.

Legal basis:

People's Republic of China (PRC) Civil Code

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 24 The state establishes and improves the new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.

Article 25 The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations. Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.