From 2024 onwards
If the medical insurance has not been paid for 25 years, it can be paid in a lump sum
Recently, the medical insurance bureaus in many places have issued measures related to the number of years of medical insurance payment, which mentions the solution to the problem of not paying medical insurance for 25 years:
1. Wuhan City
The "Measures for the Recognition and Replenishment of the Payment Period of Basic Medical Insurance for Employees in Wuhan" issued by the Wuhan Municipal Medical Insurance Bureau clearly states that the medical insurance payment period is insufficient and can be paid at one time, and the notice will be officially implemented from September 1, 2023.
Original Policy:
https://ipg.wuhan.gov.cn/chuck_52/jackbijt/sssgp/202309/T20230904_2257846.Shuttle
The notice clarifies:
When the insured reaches the statutory retirement age or retires, the number of years of payment of employee medical premiums (including the deemed payment period and the actual payment period) is 30 years for men and 10 years for the actual payment period, and 25 years for women and 10 years for women, they can enjoy the medical insurance treatment for retirees after going through the retirement procedures according to the regulations.
Among them, if the payment period does not meet the specified number of years, the insured who is retired by the employer shall make up the payment period at one time when applying for the medical insurance treatment of retirees in Wuhan.
If the employer fails to perform or fails to fully fulfill the employee's medical insurance payment obligation during the existence of the employee's labor relationship, resulting in the employee's retirement payment period not reaching the standard stipulated by the city, the employer shall perform the corresponding payment obligation according to its responsibilities and pay the basic medical insurance premium for the employee to make up for the payment period.
If the employer has fulfilled the obligation to pay the medical insurance for the employee in accordance with the relevant regulations during the existence of the labor relationship, but the payment period of the employee has not reached the standard stipulated by the city, the employee may choose to pay the basic medical insurance premium in a lump sum to make up the payment period to enjoy the medical insurance treatment of retirees, or may choose to participate in the medical insurance for urban and rural residents to enjoy the medical insurance treatment for residents.
2. Tianjin City
The Notice on Improving the Measures for the Verification of the Payment Period of Basic Medical Insurance for Employees issued by the Tianjin Municipal Medical Insurance Bureau will come into force on January 1, 2024 and will be repealed on December 31, 2028, with a validity period of 5 years.
Original Policy:
HTTPS://LBS.DJ.CN/CXK/SSSGP/IPJS/202312/T20231205_6473816.html
The notice clarifies:
The insured person shall pay for the medical insurance for employees in the city for no less than 25 years for men and 20 years for women, and the actual payment period in the city shall not be less than 5 years. Those who have reached the above-mentioned payment period shall not be required to pay the medical insurance premiums of employees after retirement; those who have reached the above-mentioned years can enjoy the medical insurance treatment of retirees after making up for the above-mentioned periods.
3. Guangdong Province
The "Interim Measures for the Intra-Provincial Transfer and Continuation of Basic Medical Insurance in Guangdong Province" issued by the Guangdong Provincial Health Insurance Bureau will be implemented from July 1, 2022.
Original Policy:
http://hasa.gd.gov.cn/zug/jcfg/yalbuzz/content/post_3953358.html
The Notice clarifies that:
When the insured person reaches the statutory retirement age, the number of years of medical insurance payment for employees does not meet the regulations, and after determining the place of post-retirement benefits in accordance with Articles 8 and 9, they can choose to pay monthly or one-time payment to the specified number of years according to the regulations.
Choose someone who pays monthly
The monthly average wage of the employees of the full-caliber urban units in the previous year (calculated by the weighted calculation of the average salary of the employees of the urban non-private units in each city and the average salary of the employees of the urban private units, the same below) shall be used as the payment base, and the payment shall be made according to the rate of the medical insurance employer of the local employees enjoying the post-retirement benefits until the prescribed payment period.
Personnel who pay monthly fees shall enjoy the medical security treatment of incumbents during the period of monthly payment, and their personal accounts will not be calculated. After the prescribed number of years of payment, they can enjoy the medical security treatment of retirees. During the monthly payment period, you can apply for a one-time payment.
Select the person who pays as a lump sum
The monthly average wage of the employees of the full-caliber urban units in the previous year who enjoy the post-retirement benefits at the time of one-time payment shall be the payment base, and the payment shall be made according to the rate of the medical insurance employer of the local employees enjoying the post-retirement benefits until the prescribed payment period.
Those who make a one-time payment can enjoy the medical security treatment of retirees after the payment reaches the specified number of years.
At present, most areas in the country provide a one-time supplementary payment plan for the problem of insufficient medical insurance payment period, and you can consult the local medical insurance department.
Can Resident Medical Insurance Be Converted to Employee Medical Insurance?
Employee medical insurance is mainly for employees of the unit, if there is a formal job, they can participate in the employee medical insurance in the unit, and the resident medical insurance is for those who are not covered by the basic medical insurance for urban employees.
In terms of reimbursement ratio, the reimbursement ratio of employee medical insurance is also higher than that of resident medical insurance, and resident medical insurance is paid for one year and enjoyed for one year, and there is no such thing as lifelong medical insurance treatment.
Is it possible to calculate the number of years of medical insurance payment for medical insurance for a period of time? or can the time of payment of resident medical insurance be converted to employee medical insurance?
Let's start with the regulations in most parts of the country, which is okay. The number of years of medical insurance payment for urban and rural residents can generally be converted into the number of years of medical insurance for urban employees by making up the difference, conversion, etc.
Let's take it as an example:
The "Jiangsu Provincial Medical Security Regulations" clarifies that the difference or conversion of residents' medical insurance to employee medical insurance can be made up or converted.
Original Policy:
http://vv.jsrd.gov.cn/kufb/szfg/202301/t20230119_543815.shtammal
Article 18 of the Circular stipulates that:
If the insured person is changed from the basic medical insurance for urban and rural residents to the basic medical insurance for employees, the payment period of the basic medical insurance for urban and rural residents can be calculated by making up the difference or converting it together with the payment period of the basic medical insurance for employees. The specific measures for making up the difference and converting shall be formulated by the administrative department for coordinating regional medical security in accordance with the relevant national and provincial regulations.
Insured persons in the basic medical insurance for employees and urban and rural residents between the conversion, retired soldiers, graduates of colleges and vocational colleges (including technical colleges) in the year of retirement, graduation and other basic medical insurance, and released from prison in the year of release to participate in the basic medical insurance, the treatment of the convergence measures by the overall regional medical security administrative departments in accordance with the relevant provisions of the state and province.
Regarding the issue of the number of years of medical insurance payment for urban and rural residents to the number of years of medical insurance for employees, the regulations are also different in different places.
For example, it is stipulated that the payment period of medical insurance for urban and rural residents is transferred to the payment period of medical insurance for employees:
- The number of years of medical insurance for urban and rural residents is transferred to employee medical insurance, and every 2 years urban residence insurance is transferred to 1 year of employee medical insurance.
- The transfer of the payment period of NCMS is transferred every 3 years to 1 year of employee medical insurance.
In addition to the conversion of the number of years, some areas allow the supplementary payment of medical insurance to refer to the number of years of medical insurance for residents.
If the number of years of medical insurance is not enough when you retire, you can choose to convert the payment period if you have more years of medical insurance for urban and rural residents, and if you have insufficient years of medical insurance for urban and rural residents, you can choose to make up the difference to reduce economic expenditure.
Source: Wuhan Medical Insurance Bureau, Tianjin Medical Insurance Bureau, Guangdong Medical Insurance Bureau, Jiangsu Provincial Medical Insurance Bureau, 51 Social Security Network, etc