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For example, if you retire in 2024, you will need to pay for 25 years, and you will choose to continue to pay the first or second level of medical insurance after retirement.
From December 2022, those who need to continue to pay employee medical insurance after retirement can choose to pay monthly or one-time supplementary payment, and before that, they can only pay on a monthly basis.
So, which retirees are more cost-effective to make a one-time supplementary payment of medical insurance?
Category 1 Retirees:
If you have retired before the medical insurance reform in December 2022 and continue to pay the first level of medical insurance, such friends need to pay for 15 years on the basis of the cumulative number of years of medical insurance.
This kind of friend'sThe medical insurance contribution is not a fixed amount, but according to the basic pension of the person117% of the contributionsThe pension received by each retiree is different, and the amount of contributions is correspondingly different, and it will also rise with the pension every year; And the basic pension = the pension we receive minus the local allowance and the transitional allowance.
Although the contribution rate of such early retirement friends is relatively high, in this 11Of the 7%, there are 805% of the contributions went into the personal medical insurance account, only 365% go into the medical insurance pooling account.
If such friends make a one-time supplementary payment,Only 3 of the basic pension needs to be paid back65% is enough, and all the one-time supplementary payment amount will go into the overall planning, not into the personal account; However, after the supplementary payment, you can enjoy the free medical premiums transferred to the personal account from the next month, which is currently 251 yuan per month, and can be enjoyed for life according to the current policy.
Here's an example:
Sister Wang retired in November 2022, and she has to pay for medical insurance for 23 years; As of February 2024, she still needs to continue to pay for 20 months of first-class medical insurance, and her basic pension is 3,000 yuan, so the amount of medical insurance she pays monthly is:
3000*11.7%=351 yuan per month; If you pay monthly for 20 months, you need to pay a total of 351 * 20 = 7020 yuan.
Of the above 351 yuan paid monthly, 3000*805%=241.5 yuan was transferred to the personal account of medical insurance, but it was all money handed over from his own bank account.
Another 3000*365%=109.5 yuan into the medical insurance pooling account.
That is, monthly payment for 20 monthsA total of 7,020 yuan needs to be paid, of which 4,830 yuan goes into the medical insurance personal account, and only 2,190 yuan goes into the medical insurance pooling account.
And if Sister Wang chooses to pay a one-time payment of 20 months' medical premiums, she only needs to pay in a lump sum:
3000*（11.7%-8.05%)*20=2190 yuan.
A one-time supplementary payment of 2190 monthly payment totals 7020 = about 31%, which is what many friends understand as "three discounts".
If this kind of friend still has to pay on a monthly basis, it is recommended that it is best to make a one-time payment, and after the supplementary payment, you can enjoy the free medical insurance premium in the next month, which is currently 251 yuan per month, which is more cost-effective.
Category II Retirees:
Those who retired after the medical insurance reform in December 2022 and continue to pay the first level of medical insurance.
On the basis of the full number of years of medical insurance, one of the retirees only needs to pay for 10 years; The monthly medical premiums paid by these friends after retirement are fixed, regardless of whether the pension received by the individual is high or low, the current monthly medical insurance fee is 3885 yuan,All of them are pooled, and the medical premiums that are not transferred to the personal account are not included during the monthly payment period.
If you pay a one-time medical insurance, you can enjoy a monthly medical premium of 251 yuan from the next month.
For those who need to pay for a short period of time after retirement, such as less than 5 years, you can basically do not hesitate, and a one-time supplementary payment is a better choice, let's calculate it simply:
If Lao Liu retires in January 2024, he needs to continue to pay the first level of medical insurance for 5 years, and a one-time supplementary payment needs to be paid 3885 yuan * 5 years * 12 months = 23,310 yuan;
After the payment, the monthly return of 251 yuan from the next month is 23310 251 = about 93 months, which is equivalent to 775 years to pay back.
I believe that most friends are still more confident that they can receive a pension for at least 10 years after retirement.
If you are not confident in the length of your future life, you can choose to continue to pay on a monthly basis, after all, the medical insurance premium cannot be refunded after payment.
For friends who choose to pay the second-level medical insurance after retirement, it is of little significance to make a one-time supplementary payment, because there is no medical insurance premium after the supplementary payment, and you can continue to pay it on a monthly basis.
If you want to change the level of medical insurance after retirement, you can change it once within the first year after retirement; This is also one of the reasons why I do not recommend friends who choose the second level of medical insurance to make a one-time supplementary payment, if the second level of medical insurance is paid at one time, there is no chance to choose again.
If you want to change the level of medical insurance after retirement, or make a one-time payment, you can follow on WeChat on your mobile phone".Shenzhen Medical Insurance" -- Pocket Government Affairs -- Personal Business Handling -- Log in with your face and find "Employee Medical Retirement Business" -- click on it and select "Change of Medical Form after Retirement" or "One-time Single Payment for Retirement Medical Treatment".That's it:
Well, that's all for today's sharing, friends who need to know more about social security, welcome to follow me.