Ningxia health insurance to pay enough years can retire

Medicare is included in the social security, usually based on the number of years of payment of social security, Ningxia workers up to the number of years of social security contributions to retirement: 30 years for male workers, female workers 25 years.

In accordance with the provisions of Article 27 of the Social Insurance Law to participate in the basic medical insurance of the individual workers, to reach the legal retirement age when the accumulated contributions to the national regulations for a period of time, no longer pay the basic medical insurance premiums, in accordance with the provisions of the State to enjoy the basic medical insurance treatment; not to the national regulations for a period of time, you can contribute to the national regulations for a period of time. Social security payment years to reach and employees to reach the retirement age after you can receive pension insurance, but at present the amount of pension insurance is low, the cost-effectiveness of old age insurance is pitifully low, and even can not buy, for the elderly, one of the most difficult is the problem of health, it is recommended to match more than one of the medical insurance and critical illness insurance; medical insurance is not expensive, in the need for medication, you do not have to only consider the cheap reimbursement of medicines, but also to give It can also provide you with better treatment. And critical illness insurance is able to directly pay out a sum of money to subsidize the financial losses brought about by illness, home loan and car loan, children's education costs, support parents and other places where money is needed.

Why buy commercial insurance when you have social security?

Social security, as a social welfare policy that provides only the most basic protection, still has many limitations:

1. Social security can only reimburse medicines in the Social Security Drug List, imported medicines and out-of-pocket medicines cannot be reimbursed. In addition, the hospitalization fees for nutrition, nursing care, imported equipment, special diagnostic and treatment items, etc. can not be reimbursed by the social security system.

2. Hospitalization costs can only be reimbursed after the fact, but hospitalization is actually a period of interruption of income, but also a large amount of expenditure, which for the hospitalization due to serious illnesses, families in urgent need of money, it is simply a distant water can not quench the thirst of the near, and does not help to alleviate the economic pressure of the period of treatment.

3. The protection provided by social security for the insured is the most basic, and its level is higher than the social poverty line and lower than 50% of the average social wage, which is a very low level of protection.

And the role of commercial insurance is to make up for the shortcomings of social security in terms of protection:

1. Wide range of protection. Commercial insurance covers all aspects of life, while social security is not so comprehensive.

2. The strength of protection. The strength of commercial insurance coverage is far greater than social security, lower premiums can have a very high amount of coverage.

3. The way of protection is more comprehensive. The first thing you need to know is that you can't afford to pay for your own health insurance, but you need to pay for your own health insurance. With critical illness insurance when the loss of income compensation, you no longer have to worry about sick no money to see, of course, provided that you buy enough coverage.