Calculation method of payment period of basic medical insurance for urban workers in Wuhan.

When female employees in Wuhan retire, they need to pay 25 years of medical insurance to enjoy the basic old-age insurance benefits, and there is no need to pay. The parties only pay for five years and need to pay for another 20 years.

The method for the parties to pay back the payment is as follows: the amount paid back = 5% of the average salary of employees in Wuhan in the previous year at the time of retirement × 20 years.

There is no difference between personal window and unit window. The unit window is handled by the unit, and the personal window is handled by both individuals.

according to

Wuhan Municipal People's Government

Measures of Wuhan Municipality on Basic Medical Insurance for Urban Workers

Twenty-seventh employees who have paid the basic medical insurance premiums for 30 years for men and 25 years for women (including the deemed payment period and the actual payment period) can enjoy the basic medical insurance benefits for retirees after going through the retirement procedures according to regulations. If the payment period is less than that specified in this article, the employer and employees shall make up the basic medical insurance premium payable at retirement. The calculation method of payment period shall be formulated by the municipal labor and social security administrative department.

Wuhan labor resources and social security bureau

Notice on adjusting the policy of one-time payment of basic medical insurance premiums for employees with insufficient medical insurance payment period

Wu Ren She Han [20 15] No.360

Second, when employees go through retirement procedures, during the existence of employee labor relations, the employer has fulfilled the obligation to pay employee medical insurance in accordance with the relevant provisions (including the employer's normal monthly payment and the employee's one-time payment of basic medical insurance premium in accordance with the provisions of Article 1 of this notice), but the employee's payment period has not yet reached the standard stipulated by our city, and the employee can choose to pay the basic medical insurance premium in one lump sum to make up the payment period, so as to enjoy employee medical insurance benefits after retirement; You can also choose to participate in urban residents' medical insurance and enjoy residents' medical insurance benefits. If an employee chooses to pay the basic medical insurance premium in one lump sum, the employer may voluntarily pay the basic medical insurance premium for the employee after consultation with the employer; If the employer is unwilling to pay the basic medical insurance premium for the employee at one time, the payment fee shall be borne by the employee himself, and the social security institution shall not force the employer to pay it.

3. When employees retire, the payment period and actual payment period of medical insurance for employees do not meet the prescribed standards. If employees choose to pay back the fees and enjoy the medical insurance benefits for retired employees, the employees will pay back the fees first to make up the actual payment period, and the actual payment period will be included in the payment period. If the payment period is still insufficient, employees shall continue to pay to make up the payment period.

Four, the calculation formula for employers and employees to pay the basic medical insurance premium to make up the payment period is:

Payment amount = annual payment standard × years to be repaid.

In the above formula, the annual payment standard is 5% of the average salary of employees in this city in the previous year when the expenses are paid back, and the month when the payment period is less than one year is converted into an adult, and two decimal places are reserved.

Five, in the personal window to participate in employee medical insurance of flexible employment personnel (including in the personal window to receive pension procedures after the insured personnel), such as employee medical insurance payment period and the actual payment period does not meet the prescribed standards, can also be in accordance with the provisions of Article 3 and Article 4 of this notice, a one-time payment of basic medical insurance premiums to make up for the payment period.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.