Is it worthwhile for employees to pay medical insurance for ten years and not want to pay it?

It is not cost-effective for employees to pay medical insurance after ten years.

As we all know, the old-age insurance has to be paid for 15 years to receive the pension, and the medical insurance also has a minimum age requirement. If the social security has been paid continuously for 10 years, and there is no money to pay now, according to the regulations, if the old-age insurance has not been paid for 15 years by the time of retirement, and the social security provider does not want to pay the deferred fee once, then he can choose to terminate the old-age insurance relationship. ,

You can also consider the following aspects to judge whether it is cost-effective to continue to pay medical insurance fees:

1. Medical security needs: Are there other medical security channels, such as commercial medical insurance or other social security systems? If there are other security measures, you can evaluate whether these security measures can meet your own needs and decide whether to continue to pay employee medical insurance fees.

2. Medical expenses forecast: According to your age, health status and family status, you can estimate the future medical expenses. If you feel that your medical expenses are relatively low, you may not need much medical insurance, so you can consider whether to continue to pay the medical insurance expenses for employees.

3. Protection after retirement: Employee medical insurance is also linked to old-age insurance. Paying employees' medical insurance fees can provide you with certain medical security after retirement. If you are close to retirement age, you can consider whether to continue to pay medical insurance fees to ensure medical security after retirement.

To sum up, is it worthwhile to pay employee medical insurance after ten years? This is a complicated question, and the answer depends on many factors. First of all, the cost of employee medical insurance is calculated according to the personal salary and the proportion of payment. If your salary is high, you can accumulate some medical insurance funds after ten years of payment, so that you can get more reimbursement when you need medical insurance. Secondly, the rising speed of medical expenses is also a factor to be considered. If the medical expenses rise rapidly, your medical insurance fund may not be able to cover the high medical expenses in ten years. In addition, personal health is also an important consideration. If you don't have a large medical expenditure in ten years, then employee medical insurance may not be so economical. To sum up, it is a comprehensive evaluation of whether employees' medical insurance payment is economical after ten years. I suggest you weigh your own situation and needs before making a decision.

Legal basis:

Regulations of People's Republic of China (PRC) Municipality on Labor Insurance

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The employee medical insurance system is a social security system implemented by the state to protect the health of enterprise employees. Medical expenses shall be reasonably borne by the state, enterprises and individuals, with enterprises as the mainstay, and the province as a whole and managed at different levels. The expenditure of medical expenses should not only ensure basic medical care, but also avoid waste. Article 3 Medical institutions that undertake the task of medical insurance for employees must adhere to the purpose of serving the people wholeheartedly, carry forward the revolutionary humanitarian spirit of saving lives, implement the policy of putting prevention first, and achieve the goal of saving lives, rational examination, rational drug use and reasonable fees.