How many years does it take to pay the medical insurance in social security to enjoy reimbursement?

After the medical insurance in social security has been paid for a certain number of years, the insured can enjoy lifelong medical reimbursement when he reaches the legal retirement age. Generally speaking, men need to pay a total of 25 years, and women need to pay a total of 20 years to enjoy lifelong medical insurance benefits. However, it is worth noting that medical insurance can only be reimbursed within the scope of reimbursement if it has been paid continuously for more than 3 years 100%. In other words, within 3 years, if the payment is suspended for more than 3 months, the payment period will be recalculated.

When going through the hospitalization formalities, the medical insurance records and medical insurance cards should be handed over to the inpatient department of the hospital for the smooth use of the medical insurance pooling account. If it cannot be submitted at that time due to emergency, the medical insurance records and cards should be handed over to the hospital in time. Under normal circumstances, if there is a deductible line for medical insurance reimbursement, different inpatient deductible lines will be set according to different levels of hospitals. The higher the level, the higher the deductible. City level 1 and below hospitals 100 yuan, city level 2 hospital 200 yuan, city level 3 hospital 300 yuan, non-local hospital 400 yuan. If the deductible line is not reached, reimbursement will not be supported. In other words, you must be above the deductible to be reimbursed. The part above the deductible line shall be reimbursed according to the regulations. In addition, there may be some drugs that are not covered by medical insurance, so you need to pay some cash when you go through the hospitalization procedures.

Medical insurance reimbursement is carried out in proportion, and the proportion of hospitalization reimbursement in different levels of hospitals is different. Generally floating around 70%. The proportion and amount of reimbursement are related to their own examination and medication, medical level and other factors. For example, it is clear that Class A drugs can enjoy full coverage, Class C drugs need to bear all the costs, and Class B drugs will report 80% and bear 20% of the costs.

What are the types of social security?

1, medical insurance. The advantage of medical insurance is that it can guarantee health in time, because it needs timely treatment after illness, and it costs less after medical insurance reimbursement, which can reduce the economic burden;

2. Work injury insurance. If employees of enterprises participate in work-related injury insurance, once an accident occurs, the local labor and social security administrative department will identify the work-related injury according to law. If it is identified as a work-related injury, the government labor appraisal agency will assess the disability level of the injured workers, and the government social insurance department will make compensation according to the regulations. In this way, we can better safeguard the legitimate rights and interests of enterprise employees;

3. Maternity insurance. From pregnancy to delivery, female workers have great physical changes and great physical exertion, and need rest and care. Maternity insurance provides them with pregnancy examination, medical services, maternity allowance and paid holidays, which guarantees their health and basic life during childbirth and relieves their worries;

4. Unemployment insurance. Since the establishment of China's unemployment insurance system, the fund system has been implemented, and the source of funds is employer contributions and financial subsidies. Practice has proved that the fund system adapts to the level of China's economic development and can provide a stable source of funds for unemployment insurance. However, it is limited to the employer's payment, and employees do not pay;

5. Endowment insurance. Old-age insurance means that people over 60 can enjoy security money according to the local economic level.

legal ground

People's Republic of China (PRC) social insurance law

Article 27

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.