Chapter I General Provisions
Article 1 In order to ensure the basic medical care for urban workers and retirees, these Provisions are formulated in accordance with the relevant provisions of the state and the actual situation of this Municipality.
Article 2 These Provisions shall apply to state organs, institutions, social organizations, private non-enterprise units, urban enterprises (hereinafter referred to as employers) and their employees and retirees within the administrative area of this Municipality.
The basic medical insurance measures for township enterprises and their employees, urban individual industrial and commercial households and their employees shall be formulated separately.
Article 3 The municipal administrative department of labor security shall be in charge of the medical insurance in this Municipality.
Finance, health, price, auditing, drug supervision and other departments shall, in accordance with their respective responsibilities, coordinate in the work of medical insurance.
Social insurance agencies specifically handle medical insurance business.
Article 4 The basic medical insurance shall be subject to territorial management; The level of basic medical insurance should be compatible with the level of economic development in this Municipality; The basic medical insurance premium is shared by the employer and employees; The basic medical insurance fund combines social pooling with individual accounts to balance revenue and expenditure.
Fifth in the establishment of the basic medical insurance system, at the same time, the implementation of outpatient (emergency) treatment of large medical subsidies, large medical assistance, supplementary medical insurance and national civil service Medicaid and other measures.
Chapter II Raising of Basic Medical Insurance Fund
Article 6 The basic medical insurance premium shall be paid by both the employer and the employees.
The basic medical insurance fund is composed of overall funds and individual accounts, which are co-ordinated by the whole city.
Article 7 The basic medical insurance fund consists of the following items:
Basic medical insurance premiums paid by employers and employees themselves;
Interest on the basic medical insurance fund;
3. Late payment fee;
Social donation;
5. Other funds.
Eighth employees pay the basic medical insurance premium according to 2% of their average monthly salary in the previous year; The employer shall pay the basic medical insurance premium according to 9% of the sum of the individual payment bases of employees.
Article 9 If the average monthly salary of employees in last year is lower than 60% of the average monthly salary of employees in this Municipality in last year, the basic medical insurance premium shall be paid according to 60% of the average monthly salary of employees in this Municipality in last year.
The part where the average monthly salary of employees in the previous year is higher than 300% of the average monthly salary of employees in this Municipality in the previous year shall not be used as the base for paying the basic medical insurance premium. If it is impossible to determine the average monthly salary of employees in the previous year, the average monthly salary of employees in this city in the previous year shall be the base for paying the basic medical insurance premium.
Tenth basic medical insurance premium base and rate adjustment, proposed by the municipal labor and social security administrative department in conjunction with the municipal finance department, submitted to the Municipal People's government for approval.
Eleventh people who have retired before the implementation of these provisions do not pay the basic medical insurance premium.
Before the implementation of these Provisions, those who took part in the work and retired after the implementation, who have not paid the basic medical insurance premium for 25 years for men and 20 years for women, shall make up the basic medical insurance premium payable by employers and individuals at one time. Before the implementation of these provisions, the number of years of employees participating in the work recognized by the administrative department of labor security can be regarded as the payment period of basic medical insurance. After the implementation of these Provisions, those who have participated in the work and have paid the basic medical insurance premium for 25 years for men and 20 years for women will not pay the basic medical insurance premium if they go through the retirement formalities in accordance with the provisions of the state.
Twelfth employers in accordance with the relevant provisions within 30 days after the implementation of these regulations, to the local social insurance agencies for medical insurance registration; The employing unit established after the implementation of these Provisions shall, within 30 days from the date of its establishment according to law, go to the local social insurance agency for medical insurance registration.
The social insurance agency shall complete the audit within 10 working days from the date of acceptance. Those who meet the conditions shall be registered and issued with social insurance registration certificates; Those who do not meet the registration conditions will not be registered, and the employer will be notified.
If the registered items of the medical insurance of the employing unit are changed or terminated according to law, it shall go through the formalities of changing or canceling the medical insurance at the original license issuing agency within 30 days from the date of change or termination.
Article 13 The employing unit shall declare the amount of the basic medical insurance premium payable to the social insurance agency on a monthly basis, and pay the basic medical insurance premium within 10 days after being approved by the social insurance agency.
Fourteenth basic medical insurance premiums shall not be reduced.
If the employer has temporary difficulties in paying medical insurance premiums, it may postpone the payment with the approval of the municipal labor and social security administrative department. The holdover period shall not exceed 6 months, and the late payment fee shall be exempted during the holdover period.
Fifteenth employers and employees should pay medical insurance premiums in full in cash. The basic medical insurance premiums payable by individual employees shall be withheld and remitted by the employer from their wages on a monthly basis. The basic medical insurance premiums paid by employees are not included in the current personal taxable wage income and are exempt from personal income tax.
Sixteenth basic medical insurance fund to raise part of the year, according to the bank deposit interest rate; The fund principal and interest carried forward from the previous year shall bear interest at the bank deposit rate of lump-sum deposit for 3 months; The deposit funds deposited in the social security financial special account shall bear interest according to the three-year zero deposit and lump-sum savings deposit interest rate.
Chapter III Personal Account of Basic Medical Insurance
Seventeenth social insurance agencies should establish basic medical insurance personal accounts for employees and retirees (hereinafter referred to as personal accounts).
Article 18 An individual account consists of the following items:
Basic medical insurance premiums paid by individual employees;
The basic medical insurance premium paid by the employer in accordance with the prescribed proportion;
3. Other funds;
4. Interest.
Nineteenth the basic medical insurance premium paid by the employer shall be included in the personal account according to the following standards:
1.45 employees under the age of 0.8% of the employer's monthly per capita contribution salary;
Employees who have reached the age of 45 and have reached the age of two years shall be counted as 65438+ 0.2% of the monthly per capita contribution wage of the employer;
Retirees under the age of 3.70 are included in 3.8% of the monthly per capita salary of employees in this city;
Retirees who have reached the age of 70 for four years are counted as 4.4% of the monthly per capita wage of employees in this Municipality.
Twentieth employers and employees shall pay the basic medical insurance premium, and stop transferring funds to individual accounts during the period of interruption of payment.
Twenty-first personal account interest is calculated with reference to the deposit interest rate of the resident bank for the same period.
Article 22 The principal and interest of an individual account belong to the individual and can be carried forward and inherited according to law.
Twenty-third unemployed workers will no longer pay the basic medical insurance premium, and the transfer of funds in personal accounts will stop, and the balance can continue to be used, and personal accounts will be retained.
Twenty-fourth workers in the city within the scope of the flow, not to transfer personal accounts; When moving across provinces and cities, personal accounts will be transferred accordingly.
Chapter IV Basic Medical Insurance Benefits
Twenty-fifth after the employer and its employees pay the basic medical insurance premium in accordance with the regulations, employees and retirees can enjoy the basic medical insurance benefits; If the basic medical insurance premium is not paid, employees and retirees cannot enjoy the basic medical insurance benefits.
Employers and their employees who should pay but fail to pay the basic medical insurance premium can continue to enjoy the basic medical insurance benefits after paying the medical insurance premium in full and paying the overdue fine.
If the employer and its employees defer payment of medical insurance premiums in accordance with Article 14 of these Provisions, employees and retirees can enjoy basic medical insurance benefits during the deferred payment period.
Twenty-sixth medical expenses that meet the scope of payment by the basic medical insurance fund shall be paid by the basic medical insurance fund and individual account respectively.
Twenty-seventh basic medical insurance pooling fund Qifubiaozhun (hereinafter referred to as Qifubiaozhun), according to the average annual salary of workers in this city last year 10% to determine. If employees and retirees are hospitalized more than twice in a year, starting from the second hospitalization, the Qifubiaozhun shall be determined according to 3% of the average annual salary of employees in this city in the previous year.
Different levels of medical institutions implement different qifubiaozhun.
Twenty-eighth the maximum payment limit of the basic medical insurance fund in a year is determined according to 4 times the average annual salary of employees in this city in the previous year. Twenty-ninth personal account payment scope includes the following items:
Medical expenses for outpatient (emergency) consultation in designated medical institutions;
(2) the cost of purchasing drugs in designated retail pharmacies;
Medical expenses below the three-level Qifubiaozhun;
(four) the medical expenses that should be borne by the individual are higher than the payment standard and lower than the maximum payment limit;
Medical expenses that should be borne by individuals above the maximum payment limit.
Thirtieth basic medical insurance fund payment scope includes the following items:
Hospitalization medical expenses;
Medical expenses within 7 days before emergency rescue observation is transferred to hospitalization;
Outpatient medical expenses for three times of renal dialysis, anti-rejection treatment after renal transplantation, radiotherapy and chemotherapy for malignant tumor (including Chinese medicine treatment), diabetes, cor pulmonale, lupus erythematosus, hemiplegia and psychosis;
Other medical expenses that should be paid by the overall fund according to the regulations.
Different qifubiaozhun shall be applied to the diseases treated in item 3 of this article.
Thirty-first basic medical insurance fund to pay medical expenses set a settlement cycle. The settlement period shall be determined separately according to the hospitalization time and outpatient treatment diseases in Item 3 of Article 30 of these Provisions.
Article 32 The medical expenses of employees and retirees are above Qifubiaozhun and below the maximum payment limit, and the payment standard of the overall fund is 85% for employees and 90% for retirees.
Thirty-third before the establishment of the maternity insurance system in this Municipality, the medical expenses for the implementation of family planning surgery and its complications by employees shall be paid in full by the basic medical insurance pooling fund. .
Article 34 The medical expenses of employees and retirees suffering from Class A infectious diseases shall be paid in full by the basic medical insurance pooling fund. Give appropriate care to patients with other infectious diseases.
Thirty-fifth in any of the following circumstances, the basic medical insurance fund will not pay medical expenses:
(a) to see a doctor in a non-designated medical institution or to buy medicine in a non-designated retail pharmacy;
Medical treatment and drug purchase do not meet the requirements of the basic medical insurance, medical service facilities standards and drug list;
(three) injuries and sequelae caused by traffic accidents, medical accidents and other accidents;
(4) Treatment of self-injury caused by illegal acts or self-injury caused by suicide, self-injury or alcoholism;
5. Other circumstances stipulated by the state and this Municipality that may not be paid.
Article 36 Medical expenses incurred by employees who suffer from work-related injuries, occupational diseases and maternity of female employees shall be handled in accordance with the relevant provisions of the state and this Municipality.
Chapter V Management of Medical Services
Thirty-seventh basic medical insurance is managed by designated medical institutions and designated retail pharmacies.
The municipal labor and social security administrative department shall examine and approve the qualifications of designated medical institutions and retail pharmacies, and issue qualification certificates.
The social insurance agency shall determine the designated medical institutions and retail pharmacies among the medical institutions and retail pharmacies that have obtained the qualification certificates, sign an agreement with them, and announce the list to the public.
Article 38 When employees and retirees fall ill, they shall go to designated medical institutions for medical treatment with medical insurance certificates uniformly issued by the administrative department of labor security.
Workers and retirees can buy medicines at designated medical institutions, or they can buy medicines at designated retail pharmacies with the prescriptions of doctors in designated medical institutions.
Thirty-ninth workers and retirees outpatient (emergency) medical expenses, hospitalization medical expenses and the cost of purchasing drugs in retail pharmacies that should be borne by individuals shall be settled directly with designated medical institutions and retail pharmacies by individuals; The hospitalization expenses paid by the basic medical insurance fund shall be settled with the designated medical institutions after being audited by the social insurance agency.
Article 40 The medical expenses of employees and retirees shall conform to the items of diagnosis and treatment, the standards of medical service facilities and the drug list stipulated in the basic medical insurance.
Designated medical institutions shall provide medical services in accordance with the relevant provisions of the basic medical insurance. For medical expenses that do not meet the requirements, social insurance agencies will not pay.
Forty-first social insurance agencies and designated medical institutions medical insurance settlement disputes, by the municipal labor and social security administrative department in conjunction with the health administrative department to organize relevant experts responsible for mediation.
Chapter VI Supplementary Medical Insurance
Forty-second outpatient (emergency) large medical expenses subsidies.
The subsidy funds for large medical expenses for outpatient (emergency) diagnosis are composed of employer contributions and municipal financial subsidies. The employer (excluding the employer who enjoys the national civil servants' Medicaid) pays a large amount of outpatient (emergency) medical insurance premium according to 1% of the sum of employees' individual payment bases, and the municipal finance gives subsidies according to 1% of the sum of employees' individual payment bases.
Large medical expenses for outpatient (emergency) consultation are used to subsidize employees and retirees whose annual outpatient (emergency) consultation medical expenses exceed 800 yuan to 5,000 yuan, with 50% of employees and 60% and 70% of retirees aged 70 and above.
Forty-third the implementation of large medical expenses relief measures. Workers and retirees (excluding those who enjoy Medicaid for national civil servants) pay a large amount of medical assistance to social insurance agencies according to the 3 yuan standard per person per month, which is used to help workers and retirees pay medical expenses from the overall fund that exceed the maximum payment limit of basic medical insurance by 6,543,800 yuan, and the proportion of assistance is 80%.
Article 44 State civil servants shall enjoy Medicaid treatment on the basis of participating in basic medical insurance. The specific measures shall be put forward by the municipal labor and social security administrative department in conjunction with the financial department and implemented after being approved by the Municipal People's government.
Forty-fifth employers (except those who enjoy the national civil service medical subsidy) can establish supplementary medical insurance on the basis of participating in the basic medical insurance to subsidize the medical expenses borne by employees and retirees. The part of the supplementary medical insurance fund within 4% of the total wages of employees shall be paid from the employee welfare funds, and the insufficient part of the employee welfare funds shall be included in the cost after being approved by the financial department at the same level.
Chapter VII Management and Supervision
Forty-sixth basic medical insurance funds are all included in the financial account management of social security funds, which are earmarked for special purposes and may not be misappropriated.
Pooled funds and individual accounts shall be accounted for separately, and shall not be mutually occupied.
Article 47 The operating expenses of social insurance agencies shall be included in the financial budget.
Forty-eighth basic medical insurance fund budget and final accounts shall be compiled by the municipal social insurance agency, audited by the municipal labor and social security administrative department and the municipal finance department, and submitted to the Municipal People's government for approval.
Forty-ninth social insurance agencies shall regularly publish the income and expenditure of the basic medical insurance fund, and accept the inquiries of employers, employees and retirees about the payment records of basic medical insurance premiums. The employing unit shall announce the payment of medical insurance premiums to employees and retirees at least once a year, and employees and retirees may also make inquiries to the employing unit.
Fiftieth administrative departments of labor security and financial departments should strengthen the supervision and management of medical insurance funds. The audit department shall regularly audit the income and expenditure of funds and the management of social insurance agencies.
Fifty-first labor and social security, health, drug supervision and price administration departments should strengthen the management and supervision of designated medical institutions and designated retail pharmacies.
Fifty-second municipal administrative departments, employers, medical institutions, trade unions and representatives of relevant experts form a medical insurance fund supervision organization to supervise the medical insurance fund.
Fifty-third any organization or individual has the right to report illegal acts related to the management of the basic medical insurance fund. The administrative department of labor and social security shall promptly investigate the report, handle it in accordance with the provisions, and keep the informant confidential.
Chapter VIII Legal Liability
Article 54 If the employer fails to pay and withhold medical insurance premiums in accordance with the regulations, the administrative department of labor security shall order it to pay within a time limit; Fails to pay, in addition to pay unpaid insurance premiums, from the date of default, a daily surcharge of 2‰.
Article 55 Where an employing unit commits any of the following acts, the administrative department of labor security shall order it to make corrections within a time limit and deal with it in accordance with the relevant provisions of the state:
Failing to register, change or cancel the registration of medical insurance in accordance with the provisions;
Failing to declare the amount of social insurance premiums that should be paid in accordance with the provisions;
Failing to withhold and remit the basic medical insurance premium in accordance with the provisions;
Failing to announce the payment of basic medical insurance premiums in accordance with regulations or refusing to accept inquiries from employees and retirees.
Article 56 If the employer refuses to pay the basic medical insurance premium and late payment fee within the time limit, the administrative department of labor security shall apply to the people's court for compulsory execution according to law.
Fifty-seventh designated medical institutions for basic medical insurance and their staff have one of the following acts, resulting in the loss of the basic medical insurance fund, and the social insurance agency shall recover it according to the decision of the administrative department of labor and social security. If the circumstances are serious, the agreement of designated medical institutions shall be terminated; Give informed criticism to the directly responsible person in charge and other directly responsible personnel.
The medical expenses of those who have not participated in the basic medical insurance are included in the basic medical insurance fund;
(two) the medical expenses that should be borne by individuals should be included in the basic medical insurance fund;
(3) On-the-job employees and retirees who do not meet the hospitalization conditions, or deliberately extend the hospitalization period, handle fake hospitalization, fake hospitalization, forge or alter medical records;
4. issue false prescriptions;
(five) the expenses that do not belong to the basic medical expenses are included in the payment items;
Other acts that cause losses to the basic medical insurance fund and should be punished.
Article 58 If the designated retail pharmacies of basic medical insurance and their staff members commit any of the following acts, the social insurance agency shall recover the losses according to the decision of the administrative department of labor and social security. If the circumstances are serious, the agreement of designated retail pharmacies shall be terminated; The directly responsible person in charge and other directly responsible personnel shall be dealt with by informed criticism:
Failing to sell drugs according to the prescription;
Failing to fill the prescription dose;
3. Replace prescription drugs with other items.
Fifty-ninth designated medical institutions, designated retail pharmacies in violation of medical care, drugs, prices and other management regulations, by the health, drug supervision, price management departments in accordance with the law. If the circumstances are serious, the social insurance agency shall terminate the agreement between the designated medical institution and the retail pharmacy.
Article 60 If an employer, designated medical institution or designated retail drugstore commits any of the following acts, the directly responsible person in charge and other directly responsible personnel shall be dealt with by the administrative department of labor security in accordance with the relevant provisions:
Obstructing or refusing the supervision and inspection by the administrative department of labor security;
Refusing to carry out the supervision, inspection and inquiry of the administrative department of labor and social security and the instruction to correct within a time limit;
3. retaliate against the whistleblower.
Sixty-first employers, employees and retirees who cheat the basic medical insurance benefits shall be recovered by the social insurance agency according to the decision of the administrative department of labor security.
Article 62 If the staff of the administrative department of labor and social security or the social insurance agency abuses their powers, engages in malpractices for selfish ends or neglects their duties, which causes losses to the basic medical insurance fund, the administrative department of labor and social security or the social insurance agency shall order them to recover the lost basic medical insurance fund respectively; If it does not constitute a crime, it shall be given administrative sanctions according to law; If a crime is constituted, criminal responsibility shall be investigated according to law.
Chapter IX Supplementary Provisions
Sixty-third retired personnel, the old Red Army medical treatment unchanged, according to the relevant provisions.
The medical treatment of disabled revolutionary servicemen above Grade B remains unchanged, and the medical expenses are solved according to the original funding channels.
Article 64 The basic medical insurance systems in Tianjin Economic and Technological Development Zone, Tianjin Port Bonded Zone and Tanggu District shall be gradually transitioned with reference to these Provisions.
The fees paid by foreign investors and enterprises with investment from Hong Kong, Macao and Taiwan for Chinese retirees' medical insurance benefits in accordance with the Detailed Rules for the Implementation of the Regulations on Endowment Insurance for Employees of Urban Enterprises in Tianjin (No.91997) will not be paid from the date of implementation of these Provisions.
Article 65 The municipal labor security administrative department shall, jointly with relevant departments, formulate relevant implementation measures in accordance with these Provisions.
Article 66 These Provisions shall come into force as of 200111.
Measures for the implementation of basic old-age insurance for urban and rural residents in Tianjin
Chapter I General Provisions
Article 1 In order to coordinate the development of urban and rural integration, ensure the old-age security for urban and rural residents and improve the basic old-age insurance system for urban and rural areas, according to the the State Council on the establishment of a unified
Opinions on the basic old-age insurance system for urban and rural residents (Guo Fa [2014] No.8), combined with the actual situation of our city, these measures are formulated.
The basic old-age insurance system for rural residents in Nijo Castle (hereinafter referred to as the old-age insurance for urban and rural residents) takes "full coverage, basic security, flexibility and sustainability" as its basic principles.
Rights and obligations correspond to the combination of government-led promotion and residents' voluntary participation. The level of protection is compatible with economic and social development, and social security measures such as social relief, social welfare and social preferential treatment are matched, which is connected with the basic old-age insurance system for employees of urban enterprises.
Article 3 The old-age insurance for urban and rural residents shall adopt the system mode of combining social pooling with individual accounts, and the financing mode of combining individual contributions, collective subsidies and government subsidies.
The treatment form of combining basic pension with personal account pension.
Article 4 Persons who have registered in this Municipality, have reached the age of 16 (excluding students at school), and are under the age of 60, and are not staff members of state organs and institutions or employees of urban enterprises.
Urban and rural residents covered by the basic old-age insurance system can participate in the old-age insurance for urban and rural residents at their domicile.
Chapter II Fund Raising
Article 5 The endowment insurance fund for urban and rural residents in this Municipality consists of individual contributions, collective subsidies and government subsidies.
Article 6 The insured persons of urban and rural residents' old-age insurance (hereinafter referred to as the insured persons) shall pay the old-age insurance premium according to the prescribed standards. The payment standard is set at 600 per year.
Yuan, 900 yuan, 1200 yuan, 1500 yuan, 1800 yuan, 2 100 yuan, 2,400 yuan, 2,700 yuan, 3,000 yuan and 3,300 yuan 10 yuan grade. The insured person chooses the payment grade independently, and pays more.
Seventh conditional village collective economic organizations shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee at a villagers' meeting. Encourage qualified communities to include collective subsidies in the scope of raising funds for community public welfare undertakings. Encourage other social and economic organizations, charitable organizations and individuals to provide financial support for the insured. Subsidies and the amount of subsidies shall not exceed the highest individual payment grade standard.
Eighth in the insured individual payment at the same time, the government should give subsidies to the insured payment grade, the funds needed by the municipal financial burden. The subsidy standards are set at 60 yuan, 70 yuan, 80 yuan, 90 yuan, 100 yuan,1/0 yuan, 120 yuan, 130 yuan, 140 yuan, 150 yuan, and so on. Insured people pay more and make up more.
Article 9 The government shall remit all or part of the old-age insurance premium for disabled persons who hold the People's Republic of China (PRC) Disabled Persons' Certificate and meet the requirements of urban and rural residents' old-age insurance according to the 900 yuan standard for individual contributions. Among them: all severely disabled people who enjoy urban and rural subsistence allowances pay old-age insurance premiums; Pay 50% of the old-age insurance premium to severely disabled people who do not enjoy the minimum living allowance and non-severely disabled people who enjoy the minimum living allowance.
Article 10 The adjustment of individual payment standards and government subsidy standards shall be proposed by the Municipal Human Resources and Social Security Bureau in conjunction with the Municipal Finance Bureau according to the economic development of this Municipality and the growth of per capita disposable income of urban and rural residents, and shall be promulgated and implemented after being approved by the Municipal People's Government.
Chapter III Personal Accounts
Eleventh social insurance agencies for each insured person to establish a lifelong record of urban and rural residents' pension insurance personal account.
Article 12 Individual accounts include individual contributions, government subsidies to the insured, collective subsidies and contributions from other social and economic organizations, charitable organizations and individuals.
Article 13 All the deposits in individual accounts are accumulated, and the interest is calculated according to the provisions of the state.
Article 14 If the insured dies, the amount stored in the personal account shall be inherited according to law. If the insured person goes abroad to settle down, the amount stored in the personal account will be returned to him.
Chapter IV Pension Insurance Benefits
Fifteenth urban and rural residents' pension insurance benefits are composed of basic pension and personal account pension, which are paid monthly and paid for life.
Sixteenth basic pension monthly payment standard for 220 yuan. If the accumulated payment period of the insured exceeds 15 years, the basic pension of 4 yuan will be issued monthly for each year exceeding 1 year. The basic pension is fully subsidized by the municipal, district and county finance.
Article 17 The monthly calculation and payment standard of personal account pension is the amount stored in personal account divided by 139. Personal account pension is paid by the insured person's personal account storage. After the payment of personal account storage, the personal account pension is fully subsidized by the municipal, district and county finance.
Eighteenth establish a normal adjustment mechanism of basic pension standards. The Municipal Human Resources and Social Security Bureau and the Municipal Finance Bureau shall, according to the economic development and price changes of this Municipality, put forward the adjustment plan of basic pension standards in a timely manner, and report it to the Municipal People's Government for approval and promulgation and implementation.
Chapter V Conditions for Receiving Endowment Insurance Benefits
Nineteenth insured persons over 60 years of age, the cumulative payment period 15 years, and did not receive the basic old-age security benefits stipulated by the state and this Municipality, and receive the monthly pension insurance benefits for urban and rural residents.
In the 20th month 151year 10, the insured who is less than 15 years from the stipulated age of receiving the old-age insurance for urban and rural residents shall pay the old-age insurance premium year by year, and if the accumulated payment period is less than15 years when reaching the age of receiving treatment, the old-age insurance premium in the difference year shall be supplemented in one lump sum; The insured person who is far away from the specified age 15 shall pay the old-age insurance premium annually, and the cumulative payment period shall not be less than 15 years.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.