Is it necessary to buy medical insurance every year?

There is no need to buy medical insurance every year. You can decide according to your own situation, but you can only enjoy reimbursement if you pay the fee. Users can see whether they need to pay according to their family situation. The payment of medical insurance for urban and rural residents follows the principle of freedom, and everyone can decide whether to pay. Urban and rural residents pay medical insurance once a year, and they can enjoy lifelong rights if they don't pay for many years. Moreover, the cost of medical insurance in urban and rural areas is relatively low, and the reimbursement rate enjoyed by inpatients is lower than that of employee medical insurance.

However, users need to understand that if they don't pay fees for one year, it means that users will not be able to enjoy urban and rural medical insurance protection within this year. Urban and rural medical insurance and the new rural cooperative medical system, according to national standards, urban residents' medical insurance is paid for one year. If the new rural cooperative medical system has a specified time, it will no longer accept payment after the time.

Rural medical insurance is guaranteed for one year. If you don't pay, you won't be able to enjoy medical insurance this year. If you pay it next year, you can keep it for one year. In other words, rural medical insurance is guaranteed for one year. There is no limit to how many years to pay.

Farmers pay a certain amount of cooperative medical care funds every year, and the collective and the government can also contribute part to form a special fund. Farmers can reimburse medical expenses according to a certain proportion when seeking medical treatment.

The annual payment standard for individual farmers should not be lower than 10 yuan. In areas with good economic conditions, the payment standard can be raised accordingly. Whether the employees of township enterprises (excluding those who participate in the new rural cooperative medical system with farmers' families as the unit) participate in the new rural cooperative medical system shall be determined by the people's government at the county level.

Medical insurance has the dual nature of social insurance and commercial insurance, the former is the basic guarantee and the latter is the supplement. At present, the types of insurance provided are enterprise medical insurance, family medical insurance, hospitalization insurance and outpatient insurance. In order to promote the development of medical insurance, the state exempts farmers' medical insurance, farmers' hospitalization insurance, disease medical co-ordination hospitalization insurance and residents' additional hospitalization insurance from business tax.

The implementation conditions of medical insurance are relatively high, in which social medical insurance should be based on a high degree of industrialization and a high income level of agricultural population, that is, a large number of high-income insured people need to be forced by national or local laws, and statutory insurance companies have high basic management level and good reputation.

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.

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The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.