How much commercial medical insurance should the elderly pay when they move to Spain?

The retirement age in Spain is higher than that in China: both men and women are 65 (some professions can retire before 65). However, not all people over 65 can get retirement benefits. The basic conditions for retirement are: whether you are a boss, a worker, or a worker and boss in life, you must meet the following conditions:

1. At least 65 years old. If you are under 65 years old, you can't apply for retirement without special reasons, such as health. )

2. I have paid the insurance premium of 15 years before retirement, whether it is workers' insurance or boss's insurance. It adds up to 15 years, which means that the insurance certificate of the social security bureau has an insurance record of 15 years.

If you have just turned 65 when you retire, you have paid 15 years of insurance before, but the pension you can get is only 50% of the original calculation base.

Documents required for retirement procedures

1. My ID card;

Insurance certificate;

3. The spouse's ID card;

Identity cards and relationship certificates of children under 14 who live with him;

5. If unemployed, unemployment registration certificate.

If you have reached the age of 65, but the insurance coverage has not reached 15, and there are still a few years left, you can apply for special insurance in the social insurance bureau, that is, you can pay the insurance premium yourself until the insurance coverage reaches 15, and then you can go through retirement procedures and receive a pension. Many elderly people who came to Spain to reunite with their children have retired in China, but people under 65 are still working age in Spain. Besides, because I have never worked in Spain, I can't enjoy a pension.

Uninsured pension

In Spain, elderly people who have reached the age of 65 and cannot retire can apply for uninsured pensions if they have no other income. The specific conditions are as follows: all Spanish citizens or citizens of other countries are in Spain.

Foreigners with legal residence permits:

1. Lack of sufficient economic income;

Over 65 years old;

13. Time of residence: from 16 to the age of receiving pension, you must have lived in Spain for more than ten years, and you must have lived in Spain for two consecutive years before applying. Disabled persons under the age of 65 but over the age of 18 can also receive this subsidy if they have lived in Spain for more than five years and have lived in Spain for two consecutive years before applying.

4. Place of application: social welfare departments or offices of social insurance bureaus in various regions, or through post offices.

Other benefits

The welfare of the elderly in Spain is good. The elderly who are helpless, or whose income is lower than the minimum living standard, can get a small amount of subsidies from the government to maintain the minimum living standard, or be sent to nursing homes for care.

Social welfare departments of district governments have also set up activity centers for the elderly to organize various interest activities for the elderly, such as painting, dancing and gymnastics. These activities are free. I have also been to the center of Madrid to introduce China culture, the legend of China, Tai Ji Chuan of China and so on to the old people, and I was welcomed by them. We might as well organize some exchange activities in the future, so that Spanish old ladies and gentlemen can know more about China and China.

In addition to the organization and activities of the district government, financial institutions such as Caja de Madrid and La Caixa have also assisted the government of the autonomous region in establishing many elderly activity centers. People who participate in these activity centers must at least be depositors of banks or pay a little fee. In addition to organizing interest groups and sightseeing tours, the activity center also has bars, televisions and computers for everyone to enjoy.

There is another point that many people already know. All elderly people over the age of 65, regardless of nationality and whether they live legally, can buy subway and bus monthly tickets for the elderly with their identity certificates (residence permit and photos), and the fares are much cheaper than the normal fares.