Don’t let your annual dibao payment lapse — it’s only 400 RMB per person. Eligible low‑income households may receive subsidies.
On top of the 400 RMB personal contribution, the government adds roughly 700 RMB per person. The most vulnerable groups get the full amount covered; dibao recipients receive a set government subsidy. Letting the payment lapse carries a penalty: after enrollment outside the window or after a break in payments, there is a mandatory 3‑month waiting period before any benefits apply. For each additional year without continuous coverage, the waiting period increases by one month (starting 2025 nationwide).
Each individual must pay at least 400 RMB per year. This i…
In addition to the portion paid by oneself, the government provides a per capita subsidy. For 2024 years, it s…
Each individual must pay at least 400 RMB per year. This is the national standard for 2024 and 2025; local rates may be higher. Payments must be made during the designated annual enrollment window. Extremely disadvantaged residents receive full government funding, while those on dibao get a fixed subsidy from the state.
In addition to the portion paid by oneself, the government provides a per capita subsidy. For 2024 years, it shall not be less than 670 yuan; for 2025 years, it shall increase by 30 yuan compared to the previous year, and shall not be less than 700 yuan. Individual contributions remain at no less than 400 yuan (as stated in provincial documents per Medical Insurance Issuance [2025] No. 22). The government work report for 2026 year stated an additional increase of 24 yuan. For recipients of minimum living allowances and persons in extreme poverty, for medical expenses that meet the specified requirements, the remaining portion after medical insurance reimbursement can undergo a second reimbursement through medical assistance at a rate of no less than 70%. The cost of interrupted payments is a waiting period. For those who did not participate in insurance during the centralized payment period or failed to pay continuously, there will be a fixed treatment waiting period of 3 months after payment, during which medical expenses will not be reimbursed. For every additional 1 years of interruption, an additional 1 months will, in principle, be added (starting from 2025 years, nationwide)
国家医保局 (2024). 《关于做好 2024 年城乡居民基本医疗保障有关工作的通知》政策解读（医保发〔2024〕19 号）. https://www.nhsa.gov.cn/art/2024/8/26/art_105_13634.html；河北省医疗保障局等 (2025). 关于做好 2025 年城乡居民基本医疗保障有关工作的通知（冀医保发〔2025〕6 号，地方文件）. https://www.renqiu.gov.cn/renqiu/ybjbmwj/202510/6d90754638a248cba655e94ea518a3bb.shtml；安徽省医疗保障局等 (2025). 关于做好 2025 年城乡居民基本医疗保障有关工作的通知（淮北市医保局转载）：「按照国家医保局、财政部、国家税务总局《关于做好2025年城乡居民基本医疗保障有关工作的通知》（医保发〔2025〕22号）要求」「居民医保人均财政补助标准较上年提高30元，达到每人每年不低于700元」. https://ybj.huaibei.gov.cn/zcwj/zcwj/58004084.html；国务院办公厅 (2021). 关于健全重特大疾病医疗保险和救助制度的意见（国办发〔2021〕42 号）. https://www.gov.cn/gongbao/content/2021/content_5659514.htm；国务院办公厅 (2024). 关于健全基本医疗保险参保长效机制的指导意见（国办发〔2024〕38 号）. https://www.gov.cn/zhengce/content/202408/content_6965741.htm；国家医保局 (2026). 2026 年政府工作报告提到这些医保工作. https://www.nhsa.gov.cn/art/2026/3/5/art_14_19809.html
Open source linkThe notice from the National Healthcare Security Administration in 2025 (Yibao Fa [2025] No. 22) was not publicly posted on the official website of the Healthcare Security Administration or the China Government Network. The two figures of 700 yuan and 400 yuan are consistent in the documents from Hebei and Anhui provinces, and the document from Anhui explicitly states that it was determined according to this notice. During the period when receiving unemployment insurance benefits, the employee's medical insurance is paid on your behalf by the unemployment insurance, so there is no need for duplicate participation.