How many years do I have to pay for medical insurance when I retire in Foshan?

Payment ratio of five insurances and one gold in Foshan

Based on the company's purchase of full social insurance, the calculation is as follows:

Medical insurance: 2% for individuals and 8% for units;

Endowment insurance: individual 8%, unit12%;

Unemployment insurance: individual 1%, unit 2%;

Industrial injury insurance: no individual, unit1%;

Maternity insurance: no individual, unit1%;

Provident fund: 3.5% for individuals and 3.5% for units.

Work injury and maternity insurance expenses shall be borne by the unit.

For example, the salary is 6000 yuan/month, so the premium to be paid is:

Medical insurance: 6000*2%= 120 yuan, unit 6000*8%=480 yuan;

Endowment insurance: 6000*8%=480 yuan, and the unit is 6000* 12%=720 yuan; 450

Unemployment insurance: 6000* 1%=60 yuan, unit 6000*2%= 120 yuan;

Work-related injury insurance: no individual, unit 6000* 1%=60 yuan.

Maternity insurance: no individual, unit 6000* 1%=60 yuan.

Provident fund: 6000*3.5%=2 10 yuan, 6000*3.5%=2 10 yuan.

So the personal total is: 870 yuan, and the unit total is: 1650 yuan.

The calculated data may be different from the actual data, but the calculation method is like this.

How long should I buy old-age insurance?

Well, the minimum payment period of endowment insurance is 180 months, which is 15 years. You can give more, and then you can get more. At the same time, the pension insurance can accumulate payment years, that is, intermittent payment is allowed. Medical insurance needs at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as the fee is renewed, it is also possible at ordinary times).

The current retirement age is 60 for men and 55 for women. Of course, under special circumstances such as engaging in high-risk work and losing the ability to work, you can apply for early retirement and receive pension benefits.

So you can choose to make up or not, as long as you pay at least 15 years.

If I bought 15, I haven't reached retirement age. Do you still want to buy it?

You can continue to pay, or you can not pay.

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