Those who meet two conditions at the same time can enjoy the benefits of Xiamen's retirement medical insurance. Employees who have transferred to the medical insurance must meet two conditions at the same time when going through retirement procedures or reaching the age of 60 for men and 55 for women before they can enjoy the benefits of Xiamen's basic medical insurance for retirees.

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First, the cumulative number of years of paying employee basic medical insurance premiums (including the deemed payment period) reaches 25 years for men and 20 years for women; second, the actual number of years of paying employee basic medical insurance premiums in Xiamen reaches 10 years.

If the actual payment is less than 10 years, it should be made up in one go.

The standard for back payment is based on the average salary of the city's employees in the previous year when the back payment is processed, and the payment is made up to the specified payment period based on the sum of the payment ratios of the employer and individual employees; all basic medical insurance premiums paid back will go into the social pooling fund.