Why do male employees 30 years and female employees have a unified employee medical insurance payment period?The Guangdong Provincial Medical Insurance Bureau interprets doubts

Yangcheng Evening News all -media reporter Chen Hui

Last month, the official website of the Guangdong Provincial Medical Insurance Bureau issued a document, and it is clear that Guangdong will gradually unify the payment of employee medical insurance payment: By January 1, 2030, the province's cumulative payment period is 30 years and 25 years of female employees (see Yangcheng Evening 6 in detail (see the Yangcheng Evening News 6 A4 report on the 21st). As soon as the news caused heated discussions, there was even a voice saying, "Is the medical insurance money not enough?" On July 17, when the Guangdong Provincial Medical Insurance Bureau participated in the "Shengsheng Hotline" program, it disclosed in detail the inside of the policy and interpreted how to implement it.

Eliminate the imbalance between regions and facilitate mutual recognition of medical insurance relations

According to Liu Biru, a member of the Party Group and Deputy Director of the Guangdong Medical Insurance Bureau, introduced that this policy issued by Guangdong is mainly to implement the requirements of the National Medical Insurance Bureau and the Ministry of Finance on the "gradual regulatory payment period policy" and "mutual calculation of employees' medical insurance payment periods and accumulated calculations". It is understood that 28 of the 31 provinces (cities, autonomous regions) have unified the service insurance payment period at the provincial level at the provincial level, of which about 15 years are between 20-30 years. "So, Guangdong Province is not the first (promulgative policy) or the last one." Liu Biru said.

Guangdong is an insured province (currently the insured person is 110 million), and the insured person has frequently flow across the region and the system. Cai Xinyi, Director of the Guarantee Division of the Guangdong Medical Insurance Bureau, said that due to the different periods of medical insurance payment for employees in various regions, the choice of comparison between different regions has occurred. In particular, after the temporary measures for the transfer of medical insurance relations at the national level, some insured will choose to transfer to areas with relatively short medical insurance payment period, which will increase the burden on the local medical insurance fund. Through unified employees' medical insurance payment period, it can effectively eliminate the imbalance between various places, facilitate the consistency of mutual recognition of medical insurance relations between insured personnel when flowing, and is conducive to promoting the reasonable flow of labor.

Guangdong Medical Insurance Fund, there is no risk of operation

In response to the saying that there are rumors that "Guangdong's medical insurance money is not enough", Liu Biru responded: "There is no such problem, you can rest assured of Guangdong's medical insurance fund. We have spent a lot of effort to take everyone's" seeking money '' '' ' If you manage it well, there is no risk of operational operation. "She added that the funds accumulated by the employee's medical insurance payment will be used to pay the entire career of the insured person and the medical insurance treatment after retirement. This needs to meet a certain payment period. In order to ensure sustainability.

The cumulative payment period of medical insurance is unified for 30 years and 25 years of female employees. How does this number get? Cai Xinyi explained that the calculation of medical insurance payment period Considering the current per capita life expectancy, medical expenses, and aging support, calculated based on the current payment ratio and payment base, the medical insurance payment needs to reach a certain period of time, in order to cover the medical expenses of employees' lifetime Essence "Some places were paid for life before, and some places were paid for 15 years. In summary, we were set to 2030 (30 years of male employees and 25 years of female employees)."

It has a greater impact on those who have participated late and interrupted insurance participants

The Guangdong Medical Insurance Bureau said that this policy has little impact on most people.

According to Cai Xinyi, according to the provisions of 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. By the time of the legal retirement age, most personnel can meet the requirements of the minimum payment period. For example, after graduating from university at the age of 23, a male attended the work and participated in the insurance monthly insurance in accordance with the provisions of the social insurance law. The period of retirement at the age of 60 was 37 years. After retirement, there was no need to make up.

However, the person who participated in the insurance period and interrupted the insurance in the middle of the way does have a certain impact. For example, women have participated in the work at the age of 25. There are 12 years in the middle for free workers who have not participated in employee medical insurance. The period of retirement at the age of 50 is 13 years. The payment period must be paid in accordance with regulations to enjoy employee medical insurance benefits for life.

In the past nine years, the transition time, the cities have gradually supplemented the years

At present, many are about to retire, but they find out that their payment period is not enough for 30 years (male) or 25 years (female). They are worried that they will not enjoy medical insurance treatment after retirement.

In this regard, Cai Xinyi answered that the province's unified employee medical insurance payment period is a gradual process, not to say that it was immediately adjusted to male employees for 30 years and 25 years of female employees on July 1 this year. The city, which has not reached the prescribed, began in 2022. On the basis of the city's 2021 -year -old payment period policy, the cumulative payment period of medical insurance for employees in the city has been adjusted year by year, and it will transition as smoothly as possible to maximize the impact on nearest retirees. 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 2022 to 2029, male employees increase by about 1 year each year, female employees will increase by about 6 months each year, and male employees will reach male employees in 2030 by 2030, respectively. 30 years and female employees 25 years.

For those who do not meet the payment period, the payment period must be paid in accordance with the regulations of the retirement place, so that they can enjoy employee medical insurance benefits for life. 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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What should I do if the medical insurance information entry is incorrect?

A reporter from the "Folk Sound Hotline" found that in Zhanjiang, the insured person's problem of paying premiums due to personal information entry (such as ID number errors) that had been paid but could not enjoy medical insurance treatment was not sporadic cases. Liu Biru explained that this was a problem left over from history. In the early years, some cities rely on the street or grassroots working organizations to collect information on their behalf. The identity information was collected by community staff. There are indeed incomplete places, and even the insurance information errors have occurred. However, starting from 2018, the full taxation is collected, and the medical insurance department and the taxation department have conducted information sharing; on August 15 last year, all cities in the province launched a national unified medical insurance information system. The system has an automatic verification function. Avoid similar problems before.

It is not clear whether the residents who participate in the insurance state are normal. They can inquire about the participation status through the "Guangdong Medical Insurance" and "Guangdong Province" WeChat Mini Program or the "National Medical Insurance" APP inquiry.

Many of the Lianjiang New Era Gynecological Hospital are Aber?

The reporter of the "Shengsheng Hotline" found in the investigation that most of the elderly were hospitalized in the Lianjiang New Era of Gynecological Hospital, and many of them were old grandpa. The purpose of them to be hospitalized here is to "pass the blood vessels". After paying 300 yuan, they can enjoy 7 days of treatment and packing. The old people are mostly hanged here in the morning, soak their feet in the afternoon, and most I went back to my home and went to bed, and came again the next day. The causes of being admitted to the hospital are mostly hypertension and cervical spondylosis.

Yang Zhe, director of the Fund Supervision Department of the Guangdong Provincial Medical Insurance Bureau, responded that the name of the Gynecological Hospital of Lianjiang New Era is "Gynecological Hospital". Essence According to the clues of the reporter's investigation, the medical insurance department will organize, urge, and guide the county and cities as soon as possible, and organize law enforcement officers and experts to enter the hospital for investigation and evidence. If there is a hanging bed in a medical institution, if the medical insurance fund is lost, a fine of more than two times and twice the medical insurance fund will be canceled for more than 6 months. If the fraudulent medical insurance fund is obtained, the amount of less than 2 times less than 6 times the amount of less than 2 times shall be obtained in accordance with the regulations.

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