What should we do if we reach the mandatory age for retirement but fail to pay all the medical insurance for the fixed number of year?
达到法定退休年龄，但是未缴满医保年限，怎么办？
According to Article 16 of Guangzhou Social Medical Insurance Regulations, there are two kinds of minimum payment period of medical insurance:
医保最低缴费年限
（两种情况）
按照《广州市社会医疗保险条例》第十六条的规定
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For applicants who attended the Social Medical Insurance Of Employee for the first time and also paid the fee after 1st January 2014; And for applicants who have attended Social Medical Insurance Of Employee before 31st December 2013 but failed to pay the fee before 31st January 2014, the period of social medical insurance premium for employees shall be 15 years.
In short: If the period of social medical insurance premium for employees is 15 years, it means the Social Medical Insurance Registration was processed after 1st January 2014.
参保人员在2014年1月1日后首次办理本市职工社会医疗保险参保登记手续并缴费的，以及2013年12月31日前已办理本市职工社会医疗保险参保登记手续但未在2014年1月31日前缴费的，其职工社会医疗保险费年限按15年执行。
简单而言：最低缴费年限15年，指在2014年1月1日以后才办理参保登记的。
For applicants who attended Social Medical Insurance of Employee before 31st December 2013 and also paid the fee before 1st January 2014, the period of social medical insurance premium for employees shall be 10 years.
In short: If the period of social medical insurance premium for employees is 10 years, it means the Social Medical Insurance Registration was processed before 31st December 2013 and paid the fee before 31st January 2014.
参保人员在2013年12月31日前已办理本市职工社会医疗保险参保登记手续且在2014年1月31日前缴费的，其职工社会医疗保险缴费年限仍按10年执行。
简单而言：最低缴费年限10年的，指在2013年12月31日前已经办理了参保登记，且在2014年1月31日前缴费。
What are the ways to continue to attend insurance?
People who have reached the mandatory age for retirement and whose accumulated years of insurance payment has not reached the prescribed number of years but meet one of the following conditions and can continue to buy the Social Medical Insurance Of Employees:
1. Retirees who receive Workers’ Endowment Insurance, Basic Pension in social insurance agencies within the administrative areas of this Municipality or receive retirement fee in the employing unit every month.
2. Flexible household register employees who attend Workers’ Social Medical Insurance.
3. Personnel who have deferred payment of old age endowment premiums for employees in social insurance agencies within the administrative areas of this Municipality.
4. Personnel who meet the requirements of transfer and continuation regulations of the medical insurance relationship between the state and provincial migrant workers can extend their social medical insurance premiums in this city.
Personnel of household registration in this city postponed paying the retirement pension but do not postpone payment of social medical insurance premiums for employees may attend the medical insurance for urban and rural residents.
有哪些方式可以继续参保?
达到法定退休年龄的参保人，职工社会医疗保险累计缴费年限未达到规定年限的，符合以下条件之一的，可以继续参加职工社会医疗保险：
（一）
在本市行政区域内的社会保险经办机构按月领取职工养老保险基本养老金或者用人单位领取退休费的退休人员；
（二）
参加职工社会医疗保险的本市户籍灵活就业人员；
（三）
在本市行政区域内的社会保险经办机构延缴职工基本养老保险费的人员；
（四）
符合国家和省流动就业人员医疗保险关系转移接续规定可以在本市延职工社会医疗保险费的人员。
本市户籍的退休延缴人员，不延缴职工社会医疗保险费的，可以参加城乡居民社会医疗保险。
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The minimum payment period of medical insurance refers to the minimum payment period standard that the insured persons can enjoy the preferential treatment of medical insurance after retirement. According to the requirements of the Social Insurance Law, all employing units should pay medical insurance for their employees. Whether or not employees have paid for 10 or 15 years, as long as they work in the unit and have labor relations with the unit, the unit should continue to buy social insurance for them.
医保最低缴费年限，是指参保人退休后可以享受医保待遇的最低缴费年限标准。按照社会保险法的要求，所有用人单位都应该为在职职工缴纳包括医疗保险。无论职工缴费的年限是否达到10年或15年，只要在单位工作，与单位有劳动关系，单位都应该继续为其购买社会保险。
Reminder:
If you are registered permanent residence in Guangzhou and have not yet reached the retirement age, and in the state of unemployment at present, even if the medical insurance has already been paid for the prescribed minimum years, it is better to attend the insurance and pay the fee by yourself, otherwise there will be no medical insurance guarantee before you reach the retirement age, if encounter major diseases, then there will be a great risk to individuals and families.
温馨提示：
如果您是广州户口且尚未到退休年龄，目前在失业状态，即使医保已经缴满规定的最低年限，最好还是自己参保缴费，否则到退休年龄前将没有医保保障，遇上重大疾病，个人和家庭将要承担的风险很大。