How many years does the medical insurance of Sanya Social Security need to pay? Is it the same as old-age insurance 15 years?

Individuals participating in old-age insurance shall refer to the method of freelancers participating in social insurance. Freelancers can only participate in endowment insurance and medical insurance. The payment of endowment insurance and medical insurance has specific provisions: endowment insurance: bring my ID card, unemployment certificate and two 1 inch photos to the business window of the local social security center. Medical insurance: after completing the formalities of endowment insurance, take the above materials and the well-run endowment insurance manual to the business window of the local medical insurance center. Just pay the fee normally according to the regulations! ! Freelancers, urban individual industrial and commercial households and flexible employees participate in the basic old-age insurance. The payment base is the average salary of local employees in the previous year, and the payment ratio is 20%, of which 8% is credited to personal accounts. After retirement, the basic pension is calculated and paid according to the basic pension plan for enterprise employees. In terms of medical insurance, freelancers and self-employed individuals can choose to set up a pool fund instead of a personal account, and pay the basic medical insurance premium at 4.2% of the local average monthly salary in the previous year. You can also choose to pay 8% of the local average monthly salary in the previous year and set up a personal account! Employees participating in medical insurance, 6% units and 2% individuals; At present, individuals can only apply for pension and medical insurance.

2. The specific monthly payment amount depends on the average wage of the local society and is calculated clearly according to the above ratio;

3. The payment period includes the deemed payment period, and the payment period reaches 15 years as the basis for retirement and monthly pension benefits; It seems that your understanding of social endowment insurance payment 15 is not comprehensive! ! Although the old-age insurance has a period of 15 years, you can enjoy the pension benefits on a monthly basis after retirement, but the retirement procedures are still in accordance with the provisions of the document issued by Guofa (1978) 104, that is, the retirement age is generally 60 years for men, 50 years for women workers, and 5 years in advance for special jobs. The level of pension is directly linked to the payment period and payment amount, that is, the longer the payment time and the more the payment amount, the higher the pension level. The difference mainly lies in the pension part of personal account, and the time of interruption of payment is not included in the payment period. For example, let's make a comparison: suppose the payment base is 1 1,000 yuan per month (excluding the adjustment of payment base and interest), and the personal account pension calculated with the payment period of 30 years is [1 1,000 yuan × 1%× 12 (month )× 30. If the payment period is 15 years, the calculated personal account pension is 165 yuan per month. The difference between the two is half, and if interest and other factors are considered, the gap is even greater.

If you know the current pension insurance policy, you will have a general understanding of the future treatment. If you look at the latest endowment insurance policy, it will be clearer: the State Council issued this policy on February 3rd, 2005. The State Council's Decision on Improving the Basic Old-age Insurance System for Enterprise Employees >> Document (Guo Fa [2005] No.38) stipulates that all kinds of enterprise employees, individual industrial and commercial households and urban flexible employees should participate in the basic old-age insurance for enterprise employees. The payment base for urban individual industrial and commercial households and flexible employees to participate in the basic old-age insurance is the average salary of local employees in the previous year, and the payment ratio is 20%, of which 8% is credited to personal accounts. After retirement, the basic pension is calculated and paid according to the basic pension plan for enterprise employees. Reform the method of calculating and distributing basic pensions. In order to connect with the actual personal account, from June 65438+1 October1in 2006, the size of the personal account was adjusted from 1 1% of my paid salary to 8%, which was all formed by individual contributions, and the unit contributions were no longer included in the personal account. At the same time, further improve the incentive and restraint mechanism, encourage employees to pay insurance premiums, and adjust the basic pension calculation and payment methods accordingly.

After the implementation of the Decision of the State Council on Establishing a Unified Basic Old-age Insurance System for Enterprise Employees (Guo Fa [1997] No.26), if the working payment period reaches 15 years (including deemed payment period, the same below), the basic pension will be paid monthly after retirement. Basic pension consists of basic pension and personal account pension. The monthly standard of basic pension at retirement is based on the average monthly salary of local employees in the previous year and my indexed monthly salary, and the payment is paid to 1% every1year. The monthly standard of personal account pension is the amount of personal account storage divided by the number of months, which is determined according to the average life expectancy of urban population and its retirement age and interest when employees retire.

If Guo Fa [1997] No.26 worked before the implementation, and retired after the implementation of this decision, and the accumulated payment period has reached 15, transitional pension will be given on the basis of basic pension and personal account pension. The people's governments of all provinces, autonomous regions and municipalities directly under the Central Government shall, in accordance with the principle of reasonable convergence of treatment levels and smooth transition of old and new policies, formulate specific transition measures on the basis of careful calculation and report them to the Ministry of Labor and Social Security and the Ministry of Finance for the record.

After the implementation of this decision, if the retirement age is reached but the payment period is less than 15 years, the basic pension will not be issued; Personal account storage amount is paid to me in one lump sum, and the basic old-age insurance relationship is terminated.

This is the latest provision for calculating pension benefits at present.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.