First, apply for medical insurance registration
Workers who have reached retirement age need to go to the medical insurance agency of their community or unit for medical insurance registration. When handling, you need to bring your valid identity certificate, retirement certificate and other related materials. After submitting the materials, the agency will conduct an audit to confirm that the employees meet the insurance conditions and handle the insurance registration procedures for them.
Second, pay medical insurance premiums.
After the insurance registration is completed, employees need to pay medical insurance premiums in accordance with the prescribed payment standards. There are generally two ways to pay medical insurance premiums: one is to pay by the unit, that is, the unit where the employee works pays medical insurance premiums for him according to the prescribed proportion; The second is individual payment, that is, individual employees pay medical insurance premiums themselves according to the prescribed standards. Either way, employees should ensure that medical insurance expenses are paid in full and on time, so as not to affect personal medical insurance benefits.
Third, enjoy medical insurance benefits.
After paying medical insurance premiums, employees can enjoy corresponding medical insurance benefits. Medical insurance benefits include reimbursement for outpatient medical treatment, hospitalization and treatment of chronic diseases. When seeking medical treatment, employees should bring their own medical insurance cards and be reimbursed according to the medical insurance policy. Medical insurance agencies will calculate the reimbursement amount for employees according to their payment and medical treatment, and pay the reimbursement directly to medical institutions or individuals.
Fourth, matters needing attention
In the process of handling medical insurance, employees need to pay attention to the following points: First, ensure the accuracy of personal information and avoid affecting the enjoyment of medical insurance benefits due to information errors; Second, pay medical insurance fees in time to avoid interruption of medical insurance benefits due to arrears; The third is to understand the medical insurance policy and ensure that the medical insurance card can be used correctly and enjoy the corresponding reimbursement treatment when seeking medical treatment.
To sum up:
Employees who reach retirement age in Foshan need to complete insurance registration, pay medical insurance fees and enjoy medical insurance benefits. In the process of handling, employees should ensure the accuracy of personal information, pay medical insurance fees in time, understand medical insurance policies and regulations, and protect personal medical security rights and interests.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 23 provides that:
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.
Article 27 provides that:
Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.