How many years does it take for an individual to pay medical insurance?

To pay medical insurance, it is required to pay the statutory fixed number of years, and the fixed number of years is not less than 25 years for men and 20 years for women. The actual fixed number of years for paying basic medical insurance premium must be not less than 15 years before retirees can enjoy medical insurance benefits. The calculation of this fixed number of years is the cumulative fixed number of years when the insured reaches 60 years old and the female reaches 55 years old. However, after the expiration of the medical insurance payment period, you still need to pay after retirement, that is, the individual insured person needs to pay 15 yuan medical assistance every month after retirement, and enjoy the same medical insurance benefits as the unit insured person.

Individual social security policies are as follows:

1. 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 shall be calculated and paid according to the method of calculating and paying the basic pension for enterprise employees;

2, medical insurance, freelancers, self-employed insured, you can choose to establish a pool fund, not to establish a personal account, according to the local average monthly salary of 4.2% to pay the basic medical insurance premium; You can also choose to pay 8% of the local average monthly salary in the previous year and establish a personal account. Employees participating in medical insurance, 6% units and 2% individuals;

3. After completing the old-age insurance procedures, pay medical insurance at the local medical insurance center with the old-age insurance procedures and related documents;

4. Minimum payment period of endowment insurance 15 years, and minimum payment period of medical insurance is 25 years. And when you reach retirement age, you can apply for pension benefits and medical reimbursement concessions.

To sum up, the medical insurance in social security must be paid for at least 25 years. The minimum payment period of old-age insurance is 180 months, that is, 15 years, and medical insurance needs to pay at least 25/30 years. Social security payment methods are divided into individual payment and unit payment.

Legal basis:

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

Article 30

The following medical expenses are not included in the payment scope of the basic medical insurance fund:

(a) shall be paid by the industrial injury insurance fund;

(2) It shall be borne by a third party;

(3) borne by public health;

(4) Go abroad for medical treatment. Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.

Article 31

According to the needs of management services, social insurance agencies can sign service agreements with medical institutions and pharmaceutical business units to standardize medical service behavior. Medical institutions shall provide reasonable and necessary medical services for the insured.