2025职工退休医保补缴新政
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In 2025, the new policy for retirees' medical insurance supplements mainly includes the following key points: Nationwide, the minimum contribution years for medical insurance are gradually being unified, with men generally required to contribute for 30 years and women for 25 years, among which the actual contribution years should not be less than 15 years. When the contribution years are insufficient upon retirement, there are three ways to make up for it: monthly payment, one-time lump - sum payment, and transferring to resident medical insurance.
- Adjustment of contribution years standards
- In the past, different regions had different regulations on the minimum contribution years for medical insurance. However, in 2025, a trend towards unifying the national standards is emerging. For example, in some areas that originally required 20 years of contribution for men, they may now need to increase the contribution years year - by - year until reaching 30 years by a certain deadline. This adjustment aims to promote fairness in the medical insurance system across the country.
- The weight of actual contribution years has increased. Many places now clearly stipulate that the actual contribution years should not be less than 15 years, while the role of deemed contribution years (such as years of service) is gradually being weakened.
- Three ways to make up for insufficient contribution years
- Monthly payment: This method is suitable for those with relatively large economic pressure. During the process of making up the payment month - by - month, the insured can enjoy the on - the - job medical insurance benefits. However, they need to continue paying until they reach the required contribution years. For instance, in Urumqi, it is stipulated that during the supplementary payment period, the hospitalization reimbursement ratio is 5% - 10% lower than that of retirees.
- One - time lump - sum payment: The insured can make up the insufficient contribution years in one go based on the payment base at the time of handling. After the one - time payment, they can immediately enjoy the retiree medical insurance benefits. But this method has a high cost, and once paid, the fees are generally non - refundable.
- Transferring to resident medical insurance: The annual payment for resident medical insurance is relatively low, usually only a few hundred yuan. But the drawback is that the reimbursement ratio is about 20% lower than that of employee medical insurance. And if the insured wants to transfer back to employee medical insurance in the future, they need to make up the contribution years again.
- Cost and handling process of supplementary payment
- Cost: The cost of supplementary payment is generally calculated based on the local average social wage of the previous year. As the social wage rises year by year, the cost of supplementary payment will also increase accordingly. For example, if the average social wage in a certain place is 8132 yuan per month in 2025, and the payment rate is 7%, the monthly supplementary payment amount will be calculated based on this base.
- Handling process: First, the applicant needs to submit an application for supplementary payment to the local medical insurance bureau and fill out the "Employee Medical Insurance Supplementary Payment Application Form". Then, the local medical insurance department will calculate the total amount to be paid according to the payment base and the number of years in arrears. Finally, the applicant can complete the supplementary payment through the tax system or bank channels. After the supplementary payment is completed, the medical insurance reimbursement benefits can be enjoyed from the next month. The materials required generally include the original and copy of the ID card, the employee pension insurance manual or payment record, the medical insurance card, and the retirement certificate (for retirees).
It should be noted that different regions may have differences in specific policies. Before handling the supplementary payment of medical insurance for retirees, it is recommended to consult the local medical insurance department in detail to understand the local specific policies, including the local regulations on contribution years, supplementary payment methods, payment bases, and handling processes, so as to make the most suitable choice.
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