How to use medical insurance?
During the insured period, the insured person goes to the designated medical institution for medical treatment. If the medical expenses incurred in the process of medical treatment meet the requirements of basic medical insurance drugs and diagnosis and treatment projects, a certain proportion of medical expenses can be reimbursed. Just like old-age insurance, once you have paid a certain number of years of medical insurance, you can enjoy lifelong medical care, and you can use medical insurance to reimburse certain medical expenses at any time after retirement.
note:
If you pay residents' medical insurance or the new rural cooperative medical system (annual payment), it does not meet the conditions of lifelong medical care. Even if you pay a certain number of years and reach retirement age, you need to continue to pay medical insurance on time in order to enjoy medical reimbursement.
Since each city has different payment periods for lifelong medical care, here are some requirements for lifelong medical care in some cities.
Life-long medical payment period requirements in different cities (employee social security)
Payment period in the same city (cumulative).
Men in Beijing reach the age of 25 and women reach the age of 20. Wuhan men reach the age of 30 and women reach the age of 25.
Shanghai 15 Chengdu has 25 years for males and 20 years for females.
Guangzhou 15 Chongqing men are over 30 years old and women are over 25 years old.
The city has paid the fee for 10 years.
Shenzhen has accumulated for 25 years, and the city exchange 15. Changsha has 30 years of men and 25 years of women.
20 years in Hangzhou and 25 years in Nanning.
Suzhou male over 30 years old, female over 25 years old, Foshan 25 years old.
Jinan men are over 30 years old and women are over 25 years old. Dongguan men are over 30 years old and women are over 25 years old.
The city has paid the fee for 10 years.
Shenyang men reach the age of 30 and women reach the age of 25. Nanjing men reach the age of 30 and women reach the age of 25.
Tianjin men over 30 years old, women over 25 years old Zhengzhou men over 25 years old, women over 20 years old.
Men in Shijiazhuang reach 30 years old and women reach 25 years old. The man in Xi is 30 years old and the woman is 25 years old.
Nanjing men reach the age of 30 and women reach the age of 25. Nantong men reach the age of 25 and women reach the age of 20.
Hefei has 25 years of males and 20 years of females, Xiamen has 25 years of males and 20 years of females.
Fuzhou 25 years Nanchang male over 30 years old, female over 25 years old.
The above rules are only for the current stage, and it is not excluded that there will be adjustments in the future.
Guangzhou: register before 20 13 12 3 1, pay before 20 14 1, and the minimum payment period is 10 year;
Only after 20 1 4,65438+10,1can you apply for insurance registration, and the minimum payment period is 15 years;
Shenzhen: If you apply for pension insurance benefits on a monthly basis after 20 19, the accumulated payment period should reach more than 20 years, and the actual payment period in Shenzhen should reach 15 years;
Before 20 19, the cumulative payment period should be 15~ 19, and the actual payment period in Shenzhen should be 10~ 14.