When you move to another city for work, transfer your pension and medical insurance to the new place and keep accumulating contribution years; don't withdraw
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- Takes minutes
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In plain words
When you move to another city for work, both your pension and medical insurance can follow you, and the years you paid before keep adding up. If you haven't reached the age to collect a pension, you can't withdraw your contributions by canceling the insurance. If medical insurance payments lapse for more than 3 months, you may have to wait up to 6 months for reimbursement in the new place, so don't leave a long gap.
Mentioned in
- If you have no employer and pay into employee pension insurance (职工养老保险) yourself, pay at the lowest tier and make sure you build up enough years; don't treat it as a sure profit, because even at the lowest tier it takes about 10 years of collecting to break even
- Don't panic about a gap in social insurance payments: pensions count cumulative years, and medical insurance can be made up under the rules
- Working outside a company is flexible employment: pay for pension and medical insurance yourself where you work, and household registration limits have been lifted
Translated from the Chinese original. Original book, section 19, tip 19. This section describes legal rules, mostly mainland China’s. It is general information, not legal advice; for your own case, talk to a lawyer. Content may be out of date and rules differ by place. When you actually deal with an agency, a doctor or a court, follow what local officials, doctors and lawyers tell you. Disclaimer