What does the medical insurance payment period mean?

The payment period of medical insurance is as follows: 1. Medical insurance contributions are 25 years for men and 20 years for women. 2. When men retire, the cumulative payment period is less than 30 years, and the cumulative payment period for women is less than 25 years. If the employer and individual employees make up the medical insurance premium at one time according to the regulations, it can be regarded as the expiration of the payment period; 3. For enterprise employees, medical insurance is regarded as the payment period as the actual working period recorded in the personnel file.

1. When men reach the age of 60 and women reach the age of 55, the insured shall pay the basic medical insurance premium for no less than 25 years for men and no less than 20 years for women, and the actual payment period of the basic medical insurance premium must be no less than 15 years before they can enjoy the medical insurance benefits for retirees. Before the implementation of this notice, the basic old-age insurance is regarded as the payment period and accumulated payment period of the basic medical insurance premium. If the actual payment or accumulated payment period does not meet the minimum requirements, and the medical insurance premium of the actual payment period is filled at one time, but it still does not meet the requirements of the accumulated payment period, retirees can enjoy medical insurance benefits after the medical insurance premium of the accumulated payment period is filled. The medical insurance premium paid back is calculated according to the payment base and payment rate at the time of payment.

2. Unemployed persons in state-owned enterprises who meet one of the following conditions after participating in the insurance and pay continuously until men reach the age of 60 and women reach the age of 55 may not be restricted by the accumulated payment period and the actual payment period. People who stop enjoying unemployment insurance benefits before the implementation of this notice shall go through the formalities of participating in basic medical insurance within 60 days after the implementation of this notice. Unemployed after the implementation of this notice shall go through the formalities of participating in (continuing) the basic medical insurance within 60 days after stopping enjoying the unemployment insurance benefits. Individual insured persons need to pay 15 yuan medical assistance every month after retirement, and enjoy the same medical insurance benefits as the unit insured persons.

Third, many people know that the minimum payment period of Hongchan old-age insurance is 15 years, so they mistakenly think that all social insurance payment periods are 15 years. This is actually a lack of careful understanding of relevant social insurance policies. Social insurance is divided into five insurances: basic pension for employees, basic medical care for employees, work injury, maternity and unemployment, which are independent. Can enjoy retirement benefits, in fact, only basic pension and basic medical insurance for employees. Basic old-age insurance was the most important guarantee in the past. Through continuous improvement, the country has realized the overall planning of basic old-age insurance in the whole province, and China will also realize the overall planning of basic old-age insurance for enterprise employees in the tenth five-year plan period. The payment and treatment policies across the country are becoming more and more unified. In recent years, workers' basic medical insurance has been paid more and more attention, and the state has set up a medical insurance bureau to manage medical insurance. Medical insurance is the most complicated insurance system in China. 65438-0998 According to the Decision of the State Council on Establishing the Basic Medical Insurance System for Urban Employees, it is clear that medical insurance for employees should be established in all localities. At present, only four municipalities directly under the central government are outside the provincial master plan, and other regions are all prefecture-level administrative regional master plans.