Do retirees still need to buy medical insurance? How to deduct 30 yuan from their monthly pension?

At present, China's medical insurance is divided into medical insurance for urban workers and medical commercial insurance for urban and rural residents. If freelancers pay the old-age insurance before retirement, but if they pay the medical insurance for urban and rural residents, because the payment standard of medical insurance for urban residents is relatively low and the payment period is not accumulated, they can enjoy the basic old-age benefits after retirement, but they have to buy medical insurance every year to enjoy the medical insurance benefits; If you apply for medical insurance for urban workers before retirement, but you are unwilling to pay in one lump sum because the payment period cannot reach the local minimum payment period at retirement, you still need to pay medical insurance for employees every year after retirement.

If it belongs to an on-the-job employee, the employer belongs to the normal work payment, not only paying the old-age insurance, but also paying the employee's medical insurance. When you retire, if the medical insurance payment period reaches the minimum payment period stipulated by the local government, you will no longer pay medical insurance after retirement and enjoy medical insurance benefits for life; If the minimum payment period required by the local government cannot be reached, it is generally stipulated that the employer or I will make up the payment. If the employer does not pay back, only I will pay back. No longer pay medical insurance after payment, and enjoy social security benefits for life. If employees and units are unwilling to pay, they must pay medical insurance again after retirement to enjoy medical insurance benefits.

But in practice, especially for many people who have paid social security for a long time, they only applied for old-age insurance at that time, but did not apply for medical insurance. Can they make up employee health insurance after retirement? According to the current policy, it is actually possible, and my wife belongs to such a thing. My wife used to work in a small collective unit. She began to pay social endowment insurance gradually from 1990, but never paid medical insurance. Therefore, after my daughter-in-law retired, medical insurance has always been paid by Chengdu residents and has to be paid every year. She hasn't paid more than 800 yuan a year and has no personal account.

After returning to China this year, when we went to my hometown's medical insurance bureau to consult my wife about paying employees' medical insurance, our friends in the medical insurance bureau warned us that those who did not pay employees' medical insurance before retirement could actually pay it anytime and anywhere after retirement. They only need to go to the social security agency to print out their own approval notice of endowment insurance, get the medical insurance bureau to calculate the payment period, and then remove the deemed payment period, and the remaining years can be paid in one lump sum. Supplementary payment is based on the average monthly income of employees in the year above, and the supplementary amount is calculated at a one-time rate of 8%.

As for why some areas deduct 30 yuan expenses from the old-age insurance every month, and some areas deduct 30 yuan expenses, which are mainly used to participate in the critical illness insurance. However, critical illness insurance is based on social medical insurance, and it is not easy to deduct those who have not paid employee medical insurance after retirement. At present, the only data I have is that Tianjin implements this current policy. Many other places have also created critical illness insurance, but some places need to deduct it from the medical insurance personal account immediately, not from the old-age insurance, and some places just deduct it from the old-age insurance. Those who do not enjoy social security benefits after retirement and pay medical insurance every year will be deducted directly from the pension insurance or personal medical insurance account.

Generally speaking, after retirement, if the payment period of medical insurance before retirement reaches the payment period stipulated by local government agencies, after retirement, you don't have to pay medical insurance and enjoy social security benefits for life; If you don't pay medical insurance before retirement or after retirement, you must pay medical insurance again to enjoy social security benefits according to your own principles. The 30 yuan deducted from the old-age insurance every month belongs to the critical illness insurance, but the scope is limited to retired employees with basic medical insurance for employees.