How many years does it take for employees to pay retirement medical insurance?

Retirement medical insurance will be paid for fifteen years, and social security will not be paid after fifteen years. In some units, even if the payment has been paid for 15 years, but the employees have not retired, enterprises still need to continue to pay until retirement. Individuals pay social security, and they can stop paying or continue to pay. According to local policies, it is beneficial to continue to pay fees. Endowment insurance follows the principle of paying more and getting more. The higher the payment base, the longer the service period, and the more pensions you receive after retirement.

When the insured reaches the age of 60 for men and 55 for women, the accumulated years of paying basic medical insurance premiums for men and women are not less than 25 years, and the actual years of paying basic medical insurance premiums must be not less than 15 years before they can enjoy the medical insurance benefits for retirees. Before the implementation of this notice, the basic old-age insurance is regarded as the payment period and accumulated payment period of the basic medical insurance premium. If the actual payment or accumulated payment period does not meet the minimum requirements, and the medical insurance premium of the actual payment period is filled at one time, but it still does not meet the requirements of the accumulated payment period, retirees can enjoy medical insurance benefits after the medical insurance premium of the accumulated payment period is filled. The medical insurance premium paid back is calculated according to the payment base and payment rate at the time of payment.

Unemployed persons in state-owned enterprises who meet one of the following conditions after participating in the insurance and continue to pay fees until men reach the age of 60 and women reach the age of 55 may not be restricted by the accumulated payment period and the actual payment period.

People who stop enjoying unemployment insurance benefits before the implementation of this notice shall go through the formalities of participating in (continuing) the basic medical insurance within 60 days after the implementation of this notice. Unemployed after the implementation of this notice shall go through the formalities of participating in (continuing) the basic medical insurance within 60 days after stopping enjoying the unemployment insurance benefits. Individual insured persons need to pay 15 yuan medical assistance every month after retirement, and enjoy the same medical insurance benefits as the unit insured persons.

Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 26

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

2. What is the reimbursement ratio of retirement medical insurance?

Retired workers are divided into two reimbursement rates: those under 70 years old and those over 70 years old. Details are as follows:

Retirees under/kloc-0, 70 years old, and those above 1 300 yuan can be reimbursed, and the reimbursement rate is 85%;

2. For retirees over 70 years old, 90% of the expenses above 1300 yuan can be reimbursed. The reimbursement rate is linked to the hospital level, starting from 85%, and the cumulative maximum reimbursement can be 300,000 yuan.