How to pay the medical insurance for retirement?

Retirees' medical insurance payment can be handled at the window of each commercial bank designated by the Social Security Bureau, or self-service in the payment system of WeChat and Alipay applet. If you don't apply for employee medical insurance before retirement, it is best to apply for employee medical insurance before retirement, even a few months in advance, because some places stipulate that you can't apply for employee medical insurance after retirement. However, at present, most places still hold a more tolerant attitude towards flexible employees. Those who fail to apply for employee medical insurance at retirement are allowed to continue to apply for employee medical insurance after retirement. After handling, you can still choose to pay in one lump sum or annually, and individuals can decide according to their own economic conditions. If you only paid medical insurance for a few years before retirement, and you have to pay tens of thousands of dollars at a time, but you can't afford it at a time, then you can choose to pay it year by year after retirement. The payment base is still the average salary of employees announced by the statistics department every year, just like the payment method before retirement.

Retirees do not need to pay the basic medical insurance premium:

First, it is determined by the nature of social medical insurance and should reflect mutual assistance. Retired workers are more likely to get sick and are vulnerable groups that need social care.

Second, in order to balance the burden of enterprises, provide enterprises with opportunities for fair competition, which is more conducive to participating in market competition;

Third, considering that retirees have made contributions to the society during their work, their income after retirement is low, especially for retired workers, and their medical expenses are not accumulated enough, and their medical burden is heavier.

To sum up, individuals who participate in employee medical insurance can directly enjoy medical insurance benefits when they reach the legal retirement age and the accumulated payment reaches 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.

Legal basis:

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

Article 16

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

Article 17

If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.