Legal analysis: the minimum payment period (including deemed payment period and actual payment period) is 25 years for male employees and 20 years for female employees, of which the minimum actual payment period should be 10 year.

If the minimum payment period is not up to the above standards, the employer can enjoy the medical insurance benefits for employees after making up the medical insurance premiums for employees with poor years at one time. The payment base is the salary declared in the year when I retired, and the payment ratio is 5.6%. All overdue fees will enter the overall fund and will not be included in the personal account.

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

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Fifth people's governments at or above the county level shall incorporate social insurance into the national economic and social development plan.

The state raises social insurance funds through multiple channels. People's governments at or above the county level shall give necessary financial support to social insurance.

The state supports social insurance through preferential tax policies.