Guangdong will implement the new medical insurance rules on July 1st: Male employees 30 years of female employees 25 years

● Migrant personnel across regions shall not repeat the insurance, and will not enjoy the treatment

● Insured persons to participate in the payment period of employee medical insurance in each city of the province

● If the legal retirement age does not meet the conditions, the fee can be paid to the prescribed years

New Express reporter learned from the official website of the Guangdong Provincial Medical Insurance Bureau yesterday that the "Interim Measures for the Connection of the Provincial Transfer of the Provincial Basic Medical Insurance Relations of the Basic Medical Insurance Relations" jointly issued by the Guangdong Provincial Medical Security Bureau, the Guangdong Provincial Department of Finance, and the State Taxation Administration Guangdong Provincial Taxation Bureau ( The following is referred to as the "Interim Measures") from July 1, 2022. This also means that after the "Interim Measures for the Continuation of the Basic Medical Insurance Relations of Migrant Employees in Guangdong Province" in 2013, the protection of the rights and interests of the insured in Guangdong Province has been further improved.

Who affects the new rules? How can I calculate retirement benefits when working in multiple places? Will there be an impact of employee medical insurance? New Express reporter learned.

■ Writing: New Express reporter Li Qiuling

Participate in the payment period of participation in the provinces and cities can only enjoy retirement benefits in accordance with two conditions.

How to regulate the conditions and years of new rules for the recipient treatment of employees in the province?

The new rules are particularly clearly emphasized that across regions must not repeat the insurance, do not enjoy the treatment, and the period of employee medical insurance payment will not be repeatedly calculated.

According to the "Interim Measures", the insured persons have recognized the payment period of participating in the medical insurance of employees in the province, and the consolidated calculation is the cumulative payment period. The employee's medical insurance participants reaches the legal retirement age. The payment period needs to meet two conditions at the same time, and they can enjoy retirement benefits:

First, the cumulative payment period of participating in employee medical insurance meets the cumulative payment period requirements of employee medical insurance for employee medical insurance specified after retirement. Gradually unified the provincial employee medical insurance payment period policy, the cumulative payment period was 30 years of male employees and 25 years of female employees on January 1, 2030.

Second, after retirement, the actual payment period of participation in employee medical insurance has been enjoyed for a total of 10 years.

Employee medical insurance payment can be paid monthly or one -time on a monthly or one -time one -time or one time

If the cumulative payment period is not enough when retirement, what should I do?

The "Interim Measures" pointed out that when the insured person reaches the legal retirement age, if the period of the employee's medical insurance payment does not meet the above conditions, the monthly or one -time payment is based on the regulations to the prescribed period.

The new rules are a unified payment policy. The payment base for reimbursement of retirees is the average monthly salary of employment personnel in full -caliber urban units in the previous year. Allowing employee medical insurance personal accounts to make up.

New regulations unified treatment policies at the same time. The person who pays the monthly payment shall enjoy the on -the -job treatment during the monthly payment period, regardless of personal accounts; enjoy retirement benefits after paying the prescribed period. For those who pay a one -time payment, they will enjoy retirement benefits after the prescribed period of payment.

In addition, the new regulations also allow payment to change midway. Retired personnel originally chose to pay a monthly basis, but during the monthly payment period, one -time payment can be applied for. If the retirees are unwilling to make or unable to pay for it, they can first participate in the medical insurance of the residents where the household registration is located.

After retirement, you can enjoy treatment freely or final insurance

Many people cross the region in their careers and pay their fees in various places. So how to determine where to enjoy medical insurance treatment after retirement?

First of all, the "Interim Measures" states that the treatment of employees' medical insurance retirees must be binded with basic pensions on a monthly basis; secondly, the "Interim Measures" stipulates that employees can determine the place of retirement after three levels:

The first level: In the end of the insurance place to meet the requirements of the retirement treatment conditions, enjoy the employee medical insurance treatment at the end of the insurance place. If you do not meet, you can choose to pay for the employee's medical insurance treatment at the final place of insurance at the final place of insurance.

The second level: The payment period of the insured at the end of the insurance place does not meet the requirements and does not choose to pay at the final place of participation, but if it meets the payment period of the payment of the place of participation Enjoy employee medical insurance treatment.

The third level: If the insured person does not meet the above two points, in accordance with the principle of "long -term" or "household registration", you can choose to choose from other places in the actual payment period of the insured or have the most insured or have insurance participation insurance. After the payment of the household registration is paid to the prescribed period, the employee's medical insurance treatment is enjoyed at the place.

In other words, employees can choose to choose from the last place or have been freely selected in the last place or the place of insured.

Employee medical guarantee has a "waiting period" interrupted for 3 months.

The "Interim Measures" stipulates that the policy of employee medical insurance, residents 'medical insurance, and the transition between the two. So when the employee's medical insurance interruption is paid, will it automatically transfer to the residents' medical insurance?

The "Interim Measures" set up a "waiting period". If the employee's medical insurance insured person transfers the continuity within the province, the insured person still enjoys the medical insurance treatment of the employee in the last month of the transfer of the land. If the continuous payment of the continuous payment before the transfer is not interrupted, the insured persons will enjoy the medical insurance treatment of the employee from the next month after the transfer of the employee's medical insurance to ensure that the treatment is seamlessly connected.

If the employee medical insurance insured person is within 3 months (inclusive) before the transfer is resolved, the insured person can handle the employee medical insurance premium procedures during the interrupt payment period in accordance with the regulations. You can enjoy the treatment in that month in accordance with regulations. The treatment during the interruption can be traced back to the regulations and must not enjoy the treatment repeatedly.

If the employee medical insurance participants are interrupted for more than 3 months, the basic medical insurance benefits shall be implemented in accordance with the regulations of each city. In principle, the waiting period is not more than 6 months.

The "Interim Measures" also specifically stipulates that those who have participated in the insurance for more than 2 consecutive years (inclusive), because of employment and other personal conditions, switching participation relationships in employee medical insurance and residents' medical insurance, interrupting employee medical insurance payment within 3 months (inclusive) For the basic medical insurance premiums can be paid in accordance with the regulations of the transfer, the payment can be enjoyed in accordance with the regulations in the month of the payment.

Know Duo D

The "Interim Measures" is mainly applicable to two major range

When interpreting the policy of the Guangdong Provincial Medical Insurance Bureau, the "Interim Measures" mainly applies to two major scope: First, the employee's medical insurance insured person and the resident medical insurance insured personnel are in the province due to the regulations across the province's employment, household registration or residential place in the province. Transfer basic medical insurance relationship. The second is that when the insured person reaches the legal retirement age, the selection of employee medical insurance after retirement is enjoiled in accordance with the "Interim Measures".

When transferring the basic medical insurance relationship across the province, if you transfer to Guangdong Province, it will be implemented in accordance with the "Interim Measures"; if you transfer it out of the province, it will be implemented in accordance with relevant national policies.

When the specific situation is implemented, there are three cases of basic medical insurance transfer.

First, the employee's medical insurance system is transferred. When mobile employees are employed across regions, they shall participate in the medical insurance of employees in the local area where labor relations are located, and handle the continuation procedures for transfer of employee medical insurance relations.

Second, the residents' medical insurance system is transferred. After participating in residents 'medical insurance, non -employees need to flow across the region due to the change of household registration or residential place. In principle, the procedures for the transfer of basic medical insurance for the transfer of basic medical insurance in principle can participate in the first year of residents' medical insurance in accordance with regulations.

Third, the transfer of medical insurance and residents' medical insurance transition system. There are two cases:

1. employee medical insurance transfer residents' medical insurance. If the employee medical insurance insured person does not regain employment across the region, participating in the medical insurance for residents who transfer to the local residents in accordance with regulations can go through the procedures for the transfer of basic medical insurance transfer.

2. Resident medical insurance transfer employee medical insurance. If the residents' medical insurance participants flow across regions and are transferred to the land, they can participate in the transfer of employee medical insurance in accordance with regulations.

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