社保交满15年,就能享受终身医保吗?未必!还必须满足这个条件

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Regarding the social security medical insurance payment, many people think that after I have been able to pay for 15 years, there will be basic protection for my retirement.

However, the facts may not be as satisfactory.

Many people waited until they had paid 15 years of social security and would not want to continue paying. If you do this, there is no problem with the pension, but medical insurance may not be able to enjoy it.

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why?

We know that social security has a demand for payment years and requires a total of 15 years. Similarly, medical insurance also has a demand for payment years.

China's basic medical insurance must reach a certain period of payment, in order to reimburse medical expenses after retiring.

According to the relevant regulations, the minimum payment period for medical insurance is 30 years for men and 25 years for women. The actual payment period for the person must be 10 years.

[Tips] Local health insurance policies vary, and the age will vary.

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The minimum payment period here, including the deemed payment period and the actual payment period, requires the male to meet the actual payment period + the same payment period to meet 30 years, and the female to meet 25 years, in order to continue to enjoy medical insurance after retirement. treatment.

What is the same as the payment period?

The term of payment is regarded as the continuous working time calculated by the state before the actual payment period of the employee.

Before the fixed employees can pay the basic old-age insurance premium system jointly by the enterprise and the individual employees, the time calculated as the continuous working age according to the state regulations can be regarded as the “consideration fee payment period”, and the pension insurance can be combined with the actual “payment period”. gold.

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What is the actual payment period?

xx基本养老保险个人账户建立后,基本养老保险费的实际支付称为实际支付期。如果单位或个人因任何原因未能按时足额缴纳基本养老保险费,则视为拖欠。

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如果公民达到法定退休年龄但未达到最低支付期限,那么退休后他将没有资格获得医疗保险!如果您支付最低付款期并达到法定退休年龄,您将无需支付医疗保险费。

对于栗子,王先生的医疗保险已经支付了13年,同一个支付期是11年。这两个加起来总共24年,不到30年,但是在2019年8月,张先生退休了,所以王先生还需要在退休后继续支付6年的医疗保险,以享受福利报销后无需支付报销医疗费用。