Is it cost-effective to pay medical insurance for employees in their 50 s

It is very necessary for people who are fifty to buy medical insurance. With the growth of age, the body's resistance and immunity will gradually decline, which is prone to some health problems. The rising medical expenses can easily bring financial burden to families. Without the protection of medical insurance, once an accident or serious illness occurs, it will not only bring great economic pressure to the family, but also lead to family bankruptcy. Therefore, it is very cost-effective to buy medical insurance at the age of 50, which can provide comprehensive protection for yourself and your family.

Which is better, employee medical insurance or resident medical insurance, needs to be seen in detail. The differences are as follows:

1. From the premium point of view, the medical insurance for urban and rural residents is more cost-effective, and it only needs to be paid once a year, and the cost is several hundred yuan, while the medical insurance for employees needs to be paid every month, and the cost of one month is several hundred or even thousands;

2. From the perspective of reimbursement, employee medical insurance is more cost-effective. The reimbursement rate of employees' medical insurance hospitalization is about 80%, and that of urban and rural residents' medical insurance hospitalization is about 60%.

3. From the perspective of comprehensive insurance, medical insurance for employees is better, because they can enjoy it for life after 25 years of continuous payment, and a sum of money is credited to the personal medical insurance card every month, which is not available in medical insurance for urban and rural residents.

To sum up, it is cost-effective for individuals to pay employee medical insurance. Medical insurance According to the current basic medical insurance policy, when reaching retirement age, the payment period of male insured persons should be 30 years and that of female insured persons should be 25 years. Those who have not reached the payment period stipulated by medical insurance can be liquidated at retirement.

Legal basis:

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

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 27

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached 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.

Article 57

The employing unit shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or unit seal. The social insurance agency shall, within fifteen days from the date of receiving the application, examine and issue the social insurance registration certificate.

Where the social insurance registration items of the employing unit are changed or the employing unit is terminated according to law, it shall, within 30 days from the date of change or termination, go to the social insurance agency to handle the change or cancellation of social insurance registration.

The administrative department for industry and commerce, the civil affairs department and the organization management organ shall promptly notify the social insurance agency of the establishment and termination of the employing unit, and the public security organ shall promptly notify the social insurance agency of the birth, death, household registration, transfer and cancellation of an individual.

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.