How to deal with retirement medical insurance?

Retirement medical insurance The insured unit shall handle the on-the-job retirement business of endowment insurance and medical insurance at the same time.

And submit the following materials:

1, and fill in the Checklist of Retirees' Medical Insurance on-the-job Retirement Declaration;

2. 1 Original and photocopy of retirement reply (or notice);

3. 1 original and photocopy of the retirement fee reply;

4. 1 original and photocopy of retirement statement, etc.

Medical insurance has the basic characteristics of social insurance, such as compulsion, mutual assistance and sociality. The medical insurance system is usually legislated and enforced by the state, and a fund system is established. The expenses are paid jointly by the employer and the individual, and the medical insurance premium is paid by the medical insurance institution to solve the medical risks caused by the illness or injury of the employees.

Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation. Therefore, medical insurance also has two functions of insurance: risk transfer and compensation transfer. That is, the economic losses caused by individual disease risks are distributed to all members threatened by the same risks, and the economic losses caused by diseases are compensated by centralized medical insurance funds. Commercial medical insurance can be divided into reimbursement medical insurance and compensation medical insurance. Reimbursement medical insurance means that the medical expenses spent by patients in hospitals are reimbursed by insurance companies, which are generally divided into outpatient medical insurance and inpatient medical insurance. Compensatory medical insurance refers to the fact that the patient is definitely diagnosed by the hospital with a certain disease listed in the contract, and the insurance company pays the patient's treatment and nursing expenses according to the amount agreed in the contract. Generally divided into single disease insurance and critical illness insurance.

legal ground

People's Republic of China (PRC) social insurance law

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.