Even in the same province, the payment period of medical insurance is different.
● Payment period of medical insurance throughout the country
● The latest Guangdong medical insurance policy: 30 years for male employees and 25 years for female employees.
● The payment period of 30 years for male employees and 25 years for female employees will become a unified national standard.
● Increase the payment period of medical insurance, is the government short of money?
First, the national medical insurance payment period
At present, male employees in Beijing, Tianjin and Hefei need to pay for 25 years, while female employees need to pay for 20 years.
Shanghai medical insurance only needs to pay 15 years.
The medical insurance payment period in Chengdu is 20 years. If it is continuous payment, it only takes 15 years.
Wuhan and Chongqing have the longest medical insurance payment period in China, with 30 years for men and 25 years for women.
The medical insurance payment period in Guangzhou is probably the shortest in China, and the accumulated medical insurance payment period is 10 years (before 20 14 years) or 15 years (after 20 14 years).
The payment period of medical insurance in other provinces and cities is as follows.
Second, the latest policy of Guangdong medical insurance: male employees pay for 30 years and female employees pay for 25 years.
The latest disturbing bad news about medical insurance has come.
On June 20th, 2022, Guangdong Medical Insurance Bureau issued the Interim Measures for the Transfer and Continuation of Basic Medical Insurance in Guangdong Province in official website.
The main content of this document is to increase the payment period of medical insurance. By 2030, the cumulative payment period will be 30 years for male employees and 65438+ 1 for female employees in 25 years.
Compared with the original medical insurance payment 10 year, the medical insurance payment period of migrant workers in Guangzhou has increased by 20 years. Wow! ! !
1, how to deal with the payment period of medical insurance for employees who retire before 2030?
Guangdong Provincial Medical Insurance Bureau stipulates that for a smooth transition, if employees who retire from 2022 to 2029 cannot meet the requirements of medical insurance payment period (30 years for men and 25 years for women), male employees will increase by 1 year and female employees will increase by 6 months every year.
Give a chestnut.
2. What should I do if the medical insurance payment period is not enough when I retire?
What about the insured who retires after 2030, the medical insurance payment period is not enough, the insured is late, and the insured is interrupted halfway?
There are three ways:
(1) One-time payment upon retirement;
(2) Continue to pay monthly fees after retirement until the payment period is met. During the continuous payment period, employees can enjoy medical insurance according to their work conditions and turn to one-time payment at any time.
(3) Unwilling or unable to repay, can be transferred to the residents' medical insurance, payment 1 year. You can also ask for the balance of employee medical insurance halfway.
Three, 30 years for male employees and 25 years for female employees will become the national unified standard.
As early as 20021year, the national medical insurance bureau issued the "opinions on establishing the medical insurance treatment list system" (medical insurance development [202 1] No.5), which made it clear that all localities should standardize the payment period.
It means to establish a national unified "medical insurance network". No matter which province or city, the payment period of the insured should be the same.
At present, the number of years of medical insurance payment has been "30 years for male employees and 25 years for female employees":
In Chongqing, Wuhan, Xi 'an, Jinan, Hainan, Kunming, Harbin, Shijiazhuang, Changchun, Xining, Langfang, Rizhao, Nanchang, Dongguan, Xiangyang, Linyi and Kaifeng, the Guangdong Provincial Medical Insurance Bureau has increased the medical insurance payment period to "30 years for male employees and 25 years for female employees", which is not to eat crabs, but to comply with national requirements.
Other provinces and cities that fail to meet the requirements can predict that adjustments will be made soon.
Before May 12, 2022, the national unified medical insurance information platform has been built and opened, and the unified medical insurance payment period is only a natural content.
Obviously, the payment period of 30 years for male employees and 25 years for female employees will become a unified national standard.
Fourth, is the government short of money to increase the payment period of medical insurance?
At present, the government's payment period for medical insurance is high or low.
Some netizens said that the government has no money and can only ask our people to increase the payment period to raise money.
It's not easy for us to live long.
Let's see what the Guangdong government says. Guangdong government said that the payment period was increased, not because the government had no money, but to avoid regional unfairness and alleviate the pressure of aging. SRC = "/V2-423366Ef2345C8308584d1799C8B2F30 _ b.jpg"/>? What the government says is just what it says on the table, so it is good for us ordinary people to listen.
Have you noticed that at the beginning, the government shouted many slogans to implement family planning, "It is good to have only one child, and the government will provide for the elderly". Now, in order to encourage the birth of two or three children, "more children should be cherished, which will benefit the country and the people and prevent old age." According to the data of Statistical Bulletin of National Medical Security Development in 20021published by the National Medical Insurance Bureau, the national medical insurance is indeed not short of money.
By the end of 2002 1, the accumulated balance of the national basic medical insurance (including maternity insurance) fund was1100 million yuan.
The Dalai Lama has more than one trillion yuan, which is quite a lot.
However, in 20021year, the income of residents' medical insurance fund was billion yuan, and the expenditure was billion yuan, increasing respectively over the previous year. The key is that "the growth rate of expenditure is twice that of income".
If the income and expenditure in the next few years still increase at this rate, by the end of the year:
Income = × =103.76 billion yuan
Expenditure =× = 100 million yuan
This means that starting from this year, the accumulated balance of the medical insurance fund will start to decrease on the basis of 1 100 million yuan:
Reduce 1 100 million yuan in 2022;
Reduce 1 100 million yuan in 2023;
Reduce 1 100 million yuan in 2024;
Reduce 1 100 million yuan in 2025;
In 2025 alone, the accumulated balance of medical insurance will be reduced by 6167 billion yuan.
According to this rate of decline, by 2046, the accumulated balance of 1 100 million yuan medical insurance fund will all be used up.
Due to the acceleration of aging and the cliff-like decline of new population, the actual consumption of this money does not need to wait until 2046, and it may be used up in 10.
So as long as a simple calculation, you can know what the government calls "no shortage of money".
The government can't come up with a good solution at the moment, so it has to raise the annual fee, which is simple and quick.
In the end, we ordinary people pay the bill.
We ordinary people are all good and won't object to anything.
With the implementation of medical insurance to increase the payment period, I estimate that the social security pension insurance to increase the payment period will soon be introduced.
This has a greater impact on the money bags of our people.
After all, the proportion of medical insurance contributions is only 2%, while the proportion of pension contributions is as high as 8%.
On June 29th, 20021year, Ministry of Human Resources and Social Security launched the 14th Five-Year Plan for the development of human resources and social security, proposing to "gradually increase the pension payment period".
At present, as long as you pay 15 years of social security, you can get a pension after retirement. This policy will soon become an ancient imperial calendar.
Because China Academy of Social Sciences predicts that the accumulated balance of national pension will be exhausted in 2035.
It can be said that it is more urgent to increase the pension payment period than to increase the medical insurance payment period.
Interested readers can take a look at my previous article, "The pension policy concerning hundreds of millions of people is going to change, so take a quick look".
The interpretation of the payment period of medical insurance in this paper ends here. Welcome to leave a message backstage.