Keep resident medical insurance active; hardship subsidies may cover some or all of the contribution
The individual pays from RMB 400 a year, with public funding adding around RMB 700 per person under the cited standards. Special-hardship recipients receive full support and dibao recipients a fixed amount. A lapse has consequences: late enrollment or a break in continuous coverage can mean a three-month period after paying during which benefits are unavailable, generally extended by another month for each additional year of interrupted coverage.
What it takes
The national personal-contribution minimum was RMB 400 per person per year in 2024 and 2025; local rates can be higher. Pay during the designated annual enrollment period. People in the special-hardship support category receive full contribution support; dibao recipients receive a fixed subsidy toward the contribution.
What you may gain
Public contributions were at least RMB 670 per person in 2024 and RMB 700 in 2025; the latter national figure is reported in a Hebei provincial document. The 2026 Government Work Report announced a further RMB 24 increase. For dibao and special-hardship recipients, eligible medical costs remaining after insurance reimbursement may receive medical assistance at a rate of at least 70%. From 2025, the national framework introduces a fixed three-month benefits waiting period for enrollment outside the concentrated payment window or after interrupted coverage, generally adding one month for every further year of interruption.
Context & considerations
The original national 2025 notice, document 2025 No. 22, was unavailable to the source author. The RMB 700 figure comes from the local document’s account of the national standard and remains marked for verification in the original. While receiving unemployment insurance benefits, your employee medical-insurance contribution is paid by that fund; do not enroll twice unnecessarily.
Research & references
National Healthcare Security Administration (2024). Explanation of the 2024 resident basic medical-security notice, document 2024 No. 19. https://www.nhsa.gov.cn/art/2024/8/26/art_105_13634.html; Hebei Healthcare Security Administration and other departments (2025). Notice on resident basic medical security for 2025, Hebei document 2025 No. 6, a local document. https://www.renqiu.gov.cn/renqiu/ybjbmwj/202510/6d90754638a248cba655e94ea518a3bb.shtml; State Council General Office (2021). Opinions on medical insurance and assistance for major and serious illnesses, document 2021 No. 42. https://www.gov.cn/gongbao/content/2021/content_5659514.htm; State Council General Office (2024). Guidance on a long-term mechanism for basic medical-insurance enrollment, document 2024 No. 38. https://www.gov.cn/zhengce/content/202408/content_6965741.htm; National Healthcare Security Administration (2026). Healthcare-security measures in the 2026 Government Work Report. https://www.nhsa.gov.cn/art/2026/3/5/art_14_19809.html.