How can employee medical insurance payment be adjusted year by year?The Guangdong Medical Security Bureau has explained in detail

Yangcheng Evening News all -media reporter Chen Hui

Is the time to adjust employee medical insurance payment because the medical insurance fund has no money? How can employee medical insurance payment be adjusted year by year? Recently, Guangdong Province has issued the "Interim Measures for the Transfer of the Provincial Transfer of the Basic Medical Insurance Relations in Guangdong Province" (hereinafter referred to as the "Interim Measures"). The Guangdong Medical Security Bureau answered some questions about the public's concern.

What are the provisions of the medical insurance payment period of employees in the social security law?

Answer: Employee basic medical insurance (hereinafter referred to as employee medical insurance) is the insurance that employees should participate. According to the relevant provisions of the "Social Insurance Law", if the employee's medical insurance insurer meets the legal retirement age compliance with the provisions of the payment period, it will no longer pay after retirement and enjoy the medical insurance treatment; if it does not meet the provisions of the payment period, it may be paid to the prescribed years. Therefore, before reaching the legal retirement period, employees can enjoy the treatment without reaching the legal retirement period, and stop the insurance. If the employee only meets the minimum payment period, but has not yet reached the legal retirement age, the employer should continue to pay for their participation in insurance.

Is medical insurance payment and pension insurance pay the same?

Answer: Medical insurance and endowment insurance are two different social insurance systems, and their payment periods are different. The employee's medical insurance is "current insurance". It does not need to wait for the legal retirement age to enjoy the treatment. Instead, you can enjoy medical insurance treatment during your job. After reaching the legal retirement age and meeting the payment period, the insured person does not need to continue to pay, and can enjoy the medical insurance treatment of retirees and ensure a higher level of protection. Therefore, the funds accumulated in the payment period of employee medical insurance are used to pay the entire career of the insured and the medical insurance treatment after retirement to ensure the sustainability of protection.

Why adjust the period of payment of employee medical insurance?

Answer: The "Opinions of the Ministry of Finance of the State Medical Insurance Bureau on Establishing a Medical Guarantee Treatment Listing System" requires the gradual regulatory policy of payment. At present, most provinces (cities and autonomous regions) nationwide unified the provincial -level level of employee medical insurance payment period. With the development of the economy and society, the insured persons cross -regional and cross -system flows are becoming more and more frequent, and the payment period is inconsistent, which has affected the smooth transfer of medical insurance relations. Regulating the province's payment period policy, for places where the original provisions need to be paid for life, the insured does not need to pay after retirement, which greatly reduces its burden, thereby promoting a more balanced and fair medical insurance system in the regional interval, which is conducive to the reasonable flow of labor.

How can employee medical insurance payment be adjusted year by year?

Answer: The "Interim Measures" does not require the adjustment of the payment period to be adjusted in one step. Instead, it is adopted by the year -on -year adjustment to gradually unify the cumulative payment period of medical insurance for employees in the province, that is, by January 1, 2030, the province's payment period is unified as male employees 30 The year and female employees are 25 years. The city, which has not reached the previous paragraph, began in 2022, based on the city's 2021 payment period policy, adjust the cumulative payment period of medical insurance for employees in the city year by year, and transitions as smoothly as possible to maximize the impact on the nearest retirement personnel. Essence The specific adjustment methods are formulated by each city.

For example, the current cumulative payment period of city A is 20 years, which can transition through 9 years. During the 2022-2029, male employees increased by about 1 year each year. Female employees increased by about 6 months each year. By 2030 The year and female employees are 25 years.

The adjustment of the payment is because the medical insurance fund has no money?

Answer: The main purpose of adjusting the period of payment of employees' medical insurance payment is to promote the continuous insurance participants participating in the insurance and facilitate the flow of insured personnel. Aging pressure. At present, the medical insurance funds in the province are running smoothly without fund risks.

Which insurers will affect the payment period?

Answer: According to the "Social Insurance Law", the entire career of the employees should participate in the insurance, and enterprises and employees should fulfill their payment obligations in accordance with the law. When you reach the legal retirement age, most personnel can meet the requirements of the minimum payment period. However, the person who has a late inspection and interruption of the insured in the middle of the road does have a certain impact.

For example, Yu Moumou, male, participated in the work at the age of 23. According to the "Social Insurance Law", the annual payment period is 37 years at the age of 60. After retirement, you do not need to make up for it. You can enjoy employee medical insurance benefits for life.

For another example, Kong Moumou, female, participated in the work at the age of 25, has not participated in the insurance in the middle, and the period of retirement at the age of 50 is 13 years. treatment. If you are unwilling to make up or unable to pay, you can participate in the medical insurance of the residents and enjoy the financial subsidy and corresponding treatment. You can also pay the payment period of the poor medical insurance payment in accordance with the regulations at any time.

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