How to pay medical insurance for serious illness after retirement?

Payment methods of medical insurance for major illness retirement are as follows:

1. Individual contributions of retirees: When receiving pension, retirees can choose to voluntarily participate in medical insurance for serious illness and pay in personal accounts. Under normal circumstances, retirees can pay medical insurance premiums for serious illness through social security cards and bank withholding.

2. Payment of social medical insurance fund: The social medical insurance fund is paid by employers and individuals in a certain proportion, and retirees can still enjoy social medical insurance benefits after retirement. Under normal circumstances, social medical insurance funds are managed and used by local social security institutions.

Medical insurance reimbursement standards generally include the following points:

1, reimbursement rate: In general, medical insurance will set different reimbursement rates for different medical services, such as medical expenses and inspection fees. There are usually different reimbursement rates;

2. Reimbursement quota: Medical insurance will also set different reimbursement quotas according to different medical services, such as medicine fees and surgery fees;

3. Top line: Medical insurance will set a top line every year. Medical expenses exceeding this amount will not be reimbursed by medical insurance.

To sum up, the medical insurance reimbursement standard may be different due to different regions and policies, and the specific reimbursement standard shall be subject to the local medical insurance policy. At the same time, the reimbursement standards of different medical insurance types and insured persons may be different.

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 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.