With the continuous improvement of China's social security system, basic medical insurance for employees (hereinafter referred to as employee medical insurance) has become a hot issue of concern for the majority of workers.
Especially among the people who are about to retire, the requirements for the number of years of medical insurance contributions have become the focus of their attention.
Friends who will retire in 2024 may have questions: Should employee medical insurance be paid for 20 years or 30 years? Is there a deemed payment policy? This article will answer these questions in detail for you.
First of all, we need to understand what is the deemed payment policy for employee medical insurance.
Deemed payment means that, under certain conditions, the number of years of medical insurance payment for employees can be determined not completely according to the actual payment period, but according to a part of the years stipulated in the policy.
The main purpose of this policy is to protect the rights and interests of the payers, so that they are not limited by the actual number of years of payment when they enjoy medical insurance benefits.
Regarding the requirements for the medical insurance payment period for employees retiring in 2024, we need to pay attention to two key points: first, the payment period stipulated in the policy; The second is whether there is a deemed payment policy.
According to China's current policy, the payment period of employee medical insurance is generally about 25 years. However, the specific requirements may vary by region, and some regions may require a longer payment period.
Therefore, it is recommended that friends who retire in 2024 understand the specific policy requirements of their area in advance.
As for the deemed payment policy, the current policy in China stipulates that the deemed payment period of employee medical insurance mainly includes two parts:
First, before the employee participates in the basic medical insurance for enterprise employees, the continuous length of service that can be calculated in accordance with the national and local regulations;
Second, the number of years for employees to participate in the basic medical insurance for urban and rural residents can be regarded as the number of years for employees to pay for medical insurance.
Specific to employees who will retire in 2024, if your payment period is less than the number of years specified in the policy, you can check whether there is a deemed payment period that can be determined.
If there is a deemed payment period, it can be included in the sum of the payment years when calculating the actual payment period.
In this way, even if the actual payment period is less than the required number of years, it is possible to reach the required payment period.
In short, for employees retiring in 2024, there are two aspects that need to be paid attention to in order to understand the specific requirements for the number of years of employee medical insurance contributions:
First, the payment period stipulated in the policy; The second is whether there is a deemed payment policy.
On this basis, combined with the actual situation of the individual, plan the medical insurance payment in advance to ensure that the employee can enjoy the medical insurance treatment smoothly after retirement.
At the same time, it is recommended to pay close attention to policy developments in order to keep abreast of the adjustment of relevant regulations and protect your medical insurance rights and interests.