How many years does it take to buy medical insurance?

The policy stipulates that the payment period for men is not less than 25 years and that for women is not less than 20 years. Medical insurance requirements: the insured shall be 60 years old for men and 55 years old for women, with the payment period of not less than 25 years for men and not less than 20 years for women. The actual payment period of basic medical insurance premium must be not less than 15 years, and he can enjoy medical insurance benefits after retirement. If the minimum age requirement is not met before retirement, the medical expenses of the actual payment period can be supplemented at one time. If the social security has only been paid for 15 years, and the medical insurance has not been paid enough, you can only receive a pension after retirement, but you can't reimburse the doctor.

How to apply for medical insurance?

Generally speaking, medical insurance is handled centrally by the unit where employees work, but people without work units can also apply for medical insurance themselves or buy suitable commercial medical insurance.

According to China's medical insurance regulations, anyone who meets the requirements can apply for personal medical insurance, but the medical insurance application process of different people is different, and some corresponding documents and materials need to be provided.

If it is handled by an individual, a complete personnel file is required, and the individual can bring his own file to the local social security center for handling.

If the unit where the individual worked before has already applied for personal medical insurance, you only need to issue a certificate to prove that the labor relationship has been terminated, and then you can go to the social security center with the relevant insurance materials.

It should be noted that individuals must carry their ID cards and then open accounts at designated banks as required. After opening an account, they should tell the social security center the card number. There is no charge when handling, and the amount of medical insurance payment is completely determined by the individual.

How is the payment period of medical insurance stipulated?

(1) 65438+Before Feb. 3, 20031,if the insured person has reached the continuous length of service stipulated by the state or worked for more than 35 years, and the actual payment period of medical insurance premium reaches 10 years, he will no longer pay medical insurance premium and enjoy medical insurance benefits for life.

(2) Before February 3, 2003, 65438+KLOC-0, if the insured has met the national requirements for continuous service or has worked for 30 years but less than 35 years, he will actually pay the medical insurance premium for 12 years, no longer pay the medical insurance premium, and enjoy the medical insurance benefits for life.

(3) Before 65438+February 3, 20031day, if the insured's continuous service or working experience is less than 30 years as stipulated by the state, the actual payment period of medical insurance premium will be correspondingly increased on the basis of 12 anniversary, and it will be regarded as the actual payment period of the insured (no more than 30 years). My actual payment period has expired and I have reached the statutory retirement age, so I will no longer pay medical insurance premiums. If the actual payment period has not reached the statutory retirement age, I will continue to pay until I reach the statutory retirement age, no longer pay medical insurance premiums, and enjoy medical insurance benefits for life.

(four) the insured does not have the continuous length of service or working years as stipulated in the first three paragraphs of this article, and has actually paid medical insurance premiums for 30 years. After paying this number of years, if the insured reaches the statutory retirement age, he will no longer pay medical insurance premiums; Those who have not reached the statutory retirement age will continue to pay fees until they reach the statutory retirement age, and will no longer pay medical insurance premiums. During the insurance period, a large amount of medical mutual insurance will be paid every year.

Medical insurance for urban and rural residents, because the payment standard is relatively low, is a way of paying for one year and managing for one year. Only by insisting on continuous payment every year can we enjoy medical insurance benefits continuously. If you don't pay the fee for one year, no matter how many years you paid it before, it's all off. If you pay back after the supply is cut off, you must have a lock-up period of at least half a year before you can continue to enjoy the residents' medical insurance benefits.

The basic medical insurance for employees has a minimum payment period, which is mutually causal with the retirement provisions of old-age insurance. Only after successful retirement, employees can enjoy medical insurance benefits after retirement if their medical insurance payment period reaches the minimum payment period; Medical insurance for urban and rural residents is not linked to the retirement benefits of employees. In addition, the payment standard is relatively low, and there is no minimum payment period. You need to pay for life to enjoy residents' medical insurance benefits.

Legal basis:

Medical insurance regulations

Article 36

Employees who retire after the revision and implementation of this Ordinance shall pay the basic medical insurance premium for men who have reached 30 years and women who have reached 25 years. After retirement, their basic medical insurance treatment standard shall be implemented in accordance with the provisions of this Ordinance.

When an employee retires, if the payment period of the basic medical insurance premium does not reach the provisions of the preceding paragraph, the basic medical insurance benefits he enjoys after retirement will be reduced by 5% on the prescribed treatment standard for each full payment period 1 year.

Article 37

If the retirees actually paid the basic medical insurance premium for 10 years before retirement, the original unit will no longer pay the basic medical insurance premium after retirement, which will not affect their enjoyment of the basic medical insurance benefits for retirees stipulated in these regulations.

Retirees who actually paid the basic medical insurance premium before retirement were less than 10 years, and those who did not pay the basic medical insurance premium after retirement did not enjoy the basic medical insurance benefits for retirees stipulated in these regulations.