The first thing you need to do is to make sure that you have a good understanding of what you are doing and how you are doing it.

In the social security, social pension insurance and medical insurance are two different types of insurance insurance, they pay their own norms, payroll enjoyment is a separate person alone, and will not be affected by the lack of payment of pension insurance reimbursement payroll, will not be affected by the lack of payment of medical insurance, and thus affecting the treatment of old age, respectively, to undertake the task of the goal is very different. To play a comparison for example social pension insurance is the same family sister, health insurance is the same family brother, although all the social security this family, but their respective function partition is not the same, between each other in the medical reimbursement level is not any close relationship, but in the future the retirement policy to enjoy the public have a very strong correlation.

The pension insurance policy is to start in 1992 in the enterprise in all aspects of the implementation, but medical insurance is in 1999 after the implementation, in fact, is the first social pension insurance before the health insurance, and health insurance from the date of introduction, is facing every urban and rural residents, also known as the urban urban workers' health insurance, while the social pension insurance is only known as the basic pension insurance for enterprise employees. One is the basic pension insurance for enterprise employees, the other is the urban and rural residents' pension insurance, which pays the social security behavior is completely different. Enterprise workers basic pension insurance, the key object of social security payment is the enterprise employees and freelancers, medical insurance object includes every urban and rural residents, in addition to the enterprise employees, but also covers the head of the administrative institutions, freelancers and so on.

In the past, because of all the social insurance, are by the social security agency management and undertake to apply for the payment of social security formalities, to undertake the implementation of treatment and management, so many places social pension insurance medical and are all tied to pay, that is, only in the premise of the payment of pension insurance, you can apply for employee health insurance. Because at that time the administrative organs and institutions staff have not paid the social pension insurance, so the administrative organs and institutions staff is able to pay the medical insurance independently. For enterprise employees and freelancers part of the place are not able to pay independent medical insurance.

Since the creation of the Ministry of Health and Welfare, the health insurance program has been divided from the original social security agency to the basic health insurance organization, and the health insurance is now able to apply for and pay independently in all parts of the country. Do not pay pension insurance will not affect their own independent payment of medical insurance, payment of medical insurance, in accordance with the relevant provisions of the health insurance system across the country, the incumbent employee is this month, after payment, the next month health insurance will be effective, hospitalized in the event of a disease will be able to reimburse the medical expenses; however, for the flexible employment of hot staff to pay for their own staff health insurance, generally set a six-month lock-up period, that is, for the purpose of six months later The medical insurance can be declared effective only after six months, also need six months before reimbursement of medical expenses.

There are two key uses for employee health insurance. One is to handle medical visits, which are divided into outpatient and hospitalization costs. The outpatient fee is the use of personal account to pay, that is to say, in the payment of health insurance costs, according to their average age, monthly in accordance with a certain percentage of the return of a part of the cost of your personal account, in fact, is the social security card, used for their own purchase of medicines, or to the clinic used to buy a part of the outpatient fee; hospitalization costs accounted for a large part of the health insurance contributions, the key to deal with the problem of reimbursement of hospitalization costs, but this The key to reimbursement of hospitalization costs is the reimbursement of medical expenses, but this needs to be reimbursed only after hospitalization, and hospitalization costs are reimbursed proportionally within the scope of the reimbursement of the compliance management clinic, the maximum reimbursement ratio can reach 95% or so. For diagnosis and reimbursement of the part of the payment of pension insurance are not linked, should be how to reimburse how to reimburse, the reimbursement of how much is reimbursed is how much, all in strict accordance with the relevant provisions of the coordinating area to carry out.

The other main use of health insurance is to accumulate the number of years of contributions, the effect of measuring the cumulative number of years of contributions to the health insurance, mainly in the retirement can enjoy a lifetime of social security treatment. But the relationship between this kind of salary and the social pension insurance is still relatively close, only in the premise of the old age of their own retirement procedures, according to the rules to meet the retirement policy, the health insurance contribution years to reach the national provisions of the minimum number of years of contributions, only after the retirement will not pay medical insurance and enjoy the social security treatment for the rest of their lives.

But if you don't have to pay pension insurance, even if you reach the legal retirement age stipulated by the law, you can hardly do the retirement, enjoying the retirement salary treatment, even if your health insurance contribution years to reach the national regulation contribution years, also can't enjoy the retirement policy of the health insurance, still need to pay the health insurance every year to reimbursement of medical expenses, really so then you can only experience to the health insurance of immediate reimbursement. If this is the case, you can only experience the immediate reimbursement of health insurance, not to enjoy the role of health insurance retirement treatment, which is not very good. From this level, and did not pay the pension insurance only paid the health insurance, indeed, on their own in their later years of basic health insurance salary treatment is a certain impact.

Overall, and did not pay the pension insurance, independent payment of employee health insurance which is permitted, but also reasonable, and does not affect the treatment of medical reimbursement; but because of only pay the health insurance, and did not pay the pension insurance can not be done in the future to retire, and at the same time will affect their own enjoyment of the retirement policy of the health insurance, may need to go to their own lifetime to pay medical insurance in order to enjoy social security, which is very costly. The first thing you need to do is to get your hands on a new pair of shoes or boots.