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@深圳职场人,这些职工医保知识你一定要知道!

  • 2026-07-10 16:24:23
@深圳职场人,这些职工医保知识你一定要知道!

职工医保关系到

每位打工人的切身利益

今天小编就带大家理一理

职场医保那些必须知道的事

一、什么人应该参加职工医保？

职工基本医疗保险制度是通过国家立法形式，为职工医保参保人提供基本医疗保障的制度安排。根据《中华人民共和国社会保险法》规定：职工应当参加职工基本医疗保险。

无雇工的个体工商户、未在用人单位参加职工基本医疗保险的非全日制从业人员以及其他灵活就业人员可以参加职工基本医疗保险。

二、如何缴纳职工医保？

单位参保的职工医保费由用人单位和职工按月共同缴纳。在职职工个人应当缴纳的医保费由用人单位代扣代缴。

灵活就业人员参加职工医保，由个人按照国家规定缴纳基本医疗保险费，可通过以下方式办理：

（点击图片查看办理指南）

三、职工医保缴费后，待遇何时生效？

自办理参保手续并足额缴纳基本医疗保险费次月1日起按规定享受医疗保险待遇。

中断缴交基本医疗保险费的，自中断缴交的次月1日起，停止享受基本医疗保险统筹基金支付的医疗保险待遇。

注：用人单位未按照规定为职工办理医疗保险参保登记或者未按时足额缴纳医疗保险费，造成职工不能享受或者不能足额享受医疗保险待遇的，由用人单位按规定支付相关费用。

参加职工医保的个人

达到法定退休年龄时

符合医保缴费年限要求

办结医保在职转退休手续的

不再缴纳基本医疗保险费

四、职工医保缴费年限要缴多少年？

2024年及之后达到法定退休年龄的职工医保参保人，只要您在本市职工医保的实际缴费年限满10年，同时参加职工医保的累计缴费年限满25年，您就可以在本市停止缴费并享受职工医保退休待遇了。

本市职工医保实际缴费年限包含参保人参加职工医保一档和二档的年限。如果您之前在外地参加过职工医保，您可以按照国家、广东省及本市有关基本医疗保险关系转移接续的规定申请将异地已中止参保的基本医疗保险关系转入本市；转入本市后，异地职工医保的缴费年限合并计算为累计缴费年限，但重复缴费的年限不重复计算。

步入职场的小伙伴们

掌握好这些医保知识了吗？

记得关注“深圳医保”公众号

我们会持续给大家分享职场医保干货！

本文转载自 “深圳医保”公众号

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  1. CONNECT:[ UseTime:0.000649s ] mysql:host=127.0.0.1;port=3306;dbname=c460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000754s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.003923s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.011047s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000636s ]
  6. SELECT * FROM `set` [ RunTime:0.000203s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000583s ]
  8. SELECT * FROM `article` WHERE `id` = 624686 LIMIT 1 [ RunTime:0.000479s ]
  9. UPDATE `article` SET `lasttime` = 1784328576 WHERE `id` = 624686 [ RunTime:0.006452s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000245s ]
  11. SELECT * FROM `article` WHERE `id` < 624686 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000419s ]
  12. SELECT * FROM `article` WHERE `id` > 624686 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000412s ]
  13. SELECT * FROM `article` WHERE `id` < 624686 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.002289s ]
  14. SELECT * FROM `article` WHERE `id` < 624686 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.005524s ]
  15. SELECT * FROM `article` WHERE `id` < 624686 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.001505s ]
0.104488s