The specific amount depends on local conditions. The living standards in different cities are different, and the monthly payment amount is also different. In addition, it depends on the gear of medical insurance, whether it is planned to upshift or downshift. Without affecting the quality of life, it is suggested to pay in one lump sum to form lifelong rights and interests.
1, medical insurance has to pay back medical insurance and pension. In our country, there is a fixed number of years. As long as you pay 25 years or 15, you can enjoy the rights and interests for life. Generally, it is paid before retirement, and there is no need to continue to pay after retirement, which has become a complete enjoyment of rights and interests. If you haven't paid it when you retire, the state has also given corresponding policies, that is, to pay it back. At present, it is a one-time payment, and the payment has not been completed.
As for the related expenses, it depends on the local policies and the stalls of medical insurance, and there are gaps in different stalls in different regions. Five years, maybe thousands or tens of thousands, not particularly high. It is recommended to pay in one lump sum, which will be easier in the future.
2, the specific cost depends on two conditions, one is the local policy, and the other is the medical insurance booth.
Local policies are linked to the average wage base. The better the city develops, the higher the fees paid and the better the rights and interests enjoyed after retirement. A big city like Beijing and Shenzhen may cost five or six thousand a year. If it is an ordinary third-and fourth-tier small city, it is about two or three thousand a year.
In addition, medical insurance is also graded, with primary, secondary and tertiary levels. The higher the rank, the more money you pay and the more rights you enjoy. The gap between the highest grade and the lowest grade may be several thousand yuan a year. Look at how many files your old company helped pay, and you can consider upgrading before you retire, as long as you pay the corresponding price difference.
3. Reimbursement ratio The reimbursement ratio of medical insurance can change with age. For example, if you are insured in Beijing, an on-the-job employee and a retired employee will definitely have a higher reimbursement rate. After reaching a certain age, the effectiveness of security is getting stronger and stronger, and it is common to reach 85% and 90%. It is precisely because of this that the state has been advocating people to buy medical insurance and forcing companies to provide medical insurance for employees. You may not care when you are young, but you will find its importance when you are old. You don't have to worry about seeing a doctor. That's basically it.