The number of years of payment for different medical insurance varies, with residents paying one year for one year's medical insurance, commercial medical insurance paying one year for one year's insurance, and employee medical insurance paying 25 or 30 years for a lifetime.
1. Employee medical social security
For those who participate in the employee medical insurance, medical insurance only need to pay a certain number of years, after reaching the retirement age, you do not need to continue to pay, you can enjoy lifelong medical insurance treatment. As for how many years of employee health insurance contributions can enjoy lifelong health insurance, the number of years is different in different regions.
Different cities have different minimum contribution periods, take the following cities as an example:
Beijing:
Male 25 years, female 20 years
Shanghai:
Male and female 15 years (this is the province which has the lowest contribution period request)
Xi'an, Chongqing:
Male 30 years, female 25 years
These are the provinces which have the lowest contribution period request
Xi'an and Chongqing:
Male 30 years, female 25 years
All cities have the same contribution period, but they are the provinces that have the lowest contribution period request. 30 years for men and 25 years for women
Shenzhen
Before 2023, the number of years of contribution in practice will be 10 years and the total number of years of contribution will be 15 years; after 2023, the total number of years of contribution will need to reach 25 years or more, and the total number of years of contribution in practice in the city will reach 15 years or more, in order to be able to enjoy free medical insurance
Guangzhou:
Before December 31, 2013, the total number of years of contribution in practice will reach 15 years or more. Before December 31, 2013, for Guangzhou workers social medical insurance registration procedures, the cumulative contribution period reached 10 years; after January 1, 2014 for the procedures, the cumulative contribution period to reach 15 years
Nanjing:
Men of urban workers 30 years, women 25 years, and the practice of flexible employment personnel contribution period of 10 years, to be able to enjoy the Medical insurance treatment;
2. Urban and rural residents medical insurance
Many people participate in the urban and rural residents medical insurance, and urban and rural residents medical insurance and urban workers medical insurance is still very different. As long as you are enrolled in the urban and rural residents' medical insurance, you will have to pay for it every year. Urban and rural residents medical insurance is a yearly payment, personal contribution years are not cumulative, can only pay a year to insure a year. At present, there is no relevant legal provisions, urban and rural residents medical insurance to pay a full number of years will be able to suspend contributions. If you stop paying contributions, you will not be able to enjoy the medical insurance benefits in the coming year. Urban and rural residents' medical insurance premiums are low, only about 300 yuan a year, and the government will give up to twice the subsidy. But if you are hospitalized once, you get a reimbursement that is much more than your own contribution.
3. Commercial medical insurance
Currently there is no commercial lifetime medical insurance. Commercial medical insurance is usually a 1-year product, and most of them are in the form of guaranteed renewal insurance, which is guaranteed to last up to 20 years. Lifelong social medical insurance generally requires women to pay 20 years, men to pay 25 years, you can after the insured person reaches the legal retirement age, do not have to pay insurance fees, but to enjoy lifelong medical protection. The commercial medical insurance is a supplement to the medical insurance, the medical insurance can not reimburse the project, the million medical insurance can be reimbursed, such as high-end treatment, special treatment and so on.