Now many people will buy insurance, which is also a guarantee. It is the so-called "not afraid of 10000, just in case". Everyone can't count the future. Social insurance is a kind of old-age security, which is also mandatory by China's law. In China, the payment of social security has a certain number of years. So how many years does social security have to be paid?
1、 How many years should social insurance be paid
According to relevant regulations, pension insurance shall have a cumulative payment period of 15 years or more. After reaching the specified retirement age, you can enjoy the treatment of receiving pension on a monthly basis. Unlike pension insurance, social basic medical insurance must pay 25-30 years for men and 20-25 years for women when reaching the retirement age (different regions, different social security policies), Can continue to enjoy social basic medical insurance benefits after retirement.
If you fail to reach the specified payment period of medical insurance when reaching the retirement age, you can make up the payment period of medical insurance at one time before retirement according to the current regulations. The payment of medical insurance not only accumulates your payment years, but also the basic guarantee of your daily health. When you get sick, you will get the help of medical insurance.
However, it should be noted that in the medical part, only those who have paid continuously for more than 3 years can enjoy 100% reimbursement within the reimbursement scope. During the period of 0-3 years, they will be reimbursed according to the proportion of continuous payment time. If they are disconnected, they must not exceed 3 months. If they exceed 3 months, the years of continuous payment will be recalculated. In addition, assuming that men have paid for 25 consecutive years and enjoy medical reimbursement during these 25 years and after the retirement age, but do not renew the payment after 25 years, they will not enjoy medical treatment from the time of non payment to retirement.
2、 Calculation standard of social insurance premium
Social insurance must calculate the insured's liability according to the probability of various risk accidents and the total payment expenditure estimated in advance according to the payment standard
A certain rate of insurance premium as the standard for determining the insurance premium rate. Moreover, different from commercial insurance, the calculation of social insurance premium rate needs to consider more social and economic factors in addition to risk factors to obtain a fair and reasonable premium rate.