The insured is 60 years old for male and 55 years old for female. The payment period for men is not less than 25 years, and that for women is not less than 20 years. The actual payment period of basic medical insurance premium must not be less than 15 years, and you can enjoy medical insurance benefits after retirement. If the minimum age requirement is not met before retirement, the medical expenses of the actual payment period can be supplemented at one time.
If the social security has only been paid for 15 years, and the medical insurance has not been paid enough, you can only receive a pension after retirement, but you can't reimburse the doctor.
Lifelong medical care refers to paying employee social security for a certain number of years and reaching retirement age. The insured can no longer pay medical insurance, but still enjoy medical insurance benefits.
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.
Medical insurance identity are:
1, employee medical insurance; Medical insurance for urban workers is the most common, which is a compulsory social medical insurance system established by the state and society to provide basic protection for workers' medical needs;
2. Residents' medical insurance; Residents' medical insurance is relatively simple. Different from employee medical insurance, residents have the opportunity to enjoy medical insurance for life after reaching a certain number of years, but they pay a one-year fee and enjoy a one-year reimbursement treatment;
3. New rural cooperative medical system; The new rural cooperative medical insurance, also known as the new rural cooperative medical insurance, is organized, guided and supported by the government, and farmers voluntarily participate. The funds are raised by individuals, collectives and the government. It is a security product with serious illness as the main focus.
Medical insurance coverage:
1, reimbursement of basic medical insurance drugs: our country now divides drugs into three categories: A, B and C, of which A drugs are within the scope of medical insurance, so medical insurance can only reimburse A drugs, and B and C drugs cannot be reimbursed;
2. Reimbursement of basic medical service facilities: this reimbursement scope mainly refers to bed fees, first-aid bed fees, medical treatment fees, etc. Expenses incurred by the insured in the process of medical treatment and nursing in designated medical insurance institutions;
3. Reimbursement of basic medical insurance diagnosis and treatment items: it must be a safe and effective diagnosis and treatment item, and the charging standard shall be determined by the price department. Need to be treated in a designated medical institution.
To sum up, different regions have different provisions on the payment period of medical insurance. Generally, men are required to pay for at least 25 years and women for at least 20 years; Some areas will have higher requirements for the payment period. It is recommended to consult the local social security agency for the specific payment period.
Legal basis:
Article 16 of People's Republic of China (PRC) Social Insurance Law
Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.