After the termination of the labor relationship, how to renew the employee s medical insurance? What

If the labor contract is terminated with the employer, the medical insurance is in a state of interruption, and the medical insurance can continue to be paid as a flexible employee, and if it is in the same co-ordination area, it is not necessary to handle the transfer of the relationship, but only to handle the change of the payment subject, and if it is not in the same co-ordination area, it is necessary to handle the transfer of the medical insurance relationship to renew.

Those who meet the conditions for receiving unemployment benefits can apply for unemployment registration, and the medical insurance for employees during the period of unemployment shall be paid by the unemployed**. If you are passively resigning from the company (such as company dismissal, bankruptcy, expiration of labor contract), and unemployment insurance has been paid for 12 months or more, you can go to the unemployment registration window to register as unemployed, not only can you receive unemployment benefits every month, but also the employee medical insurance fees do not have to be paid by yourself, all paid by the unemployed**. At the same time as the unemployment registration, the relevant procedures of the employee's medical insurance shall be handled simultaneously.

This policy originated from the Ministry of Human Resources and Social Security [2011] No. 77, and has been implemented in accordance with the policy in all localities.

Many people will worry that receiving unemployment benefits will have an impact on their future pensions, and it is responsible to tell everyone that receiving unemployment benefits is a right you should enjoy (provided that you meet the conditions), and it will not have any impact on the other four insurances. In particular, those who are passively unemployed when they are approaching retirement should register as unemployed to receive unemployment benefits. Taking Qingdao as an example, urban employees who have paid unemployment insurance for 10 years or more can receive a total of 41,256 yuan of unemployment benefits for 24 months.

In today's society, eating grains gives rise to all kinds of diseases. The cause is also the result of social development. With the progress of social development and high technology, chemical fertilizers and pesticides that are difficult to decompose and high residues have come into being.

They are used in large quantities in agriculture. As a result, the grains, vegetables and fruits produced are polluted to varying degrees, including underground drinking water sources.

Because of these circumstances, the number of people with various diseases is increasing. And if you go to a big hospital to see a doctor, you have to go to the thousands. Under this development trend, for the sake of health and in order to reduce the economic crisis caused by treatment, it is necessary to renew the medical insurance.

With medical insurance, you don't have to worry about getting sick. No more worrying about not being able to afford or being unable to afford to see a doctor. Because of the purchase of employee medical insurance, it can generally be reimbursed 70 percent, and the highest proportion can be 80 percent.

I can't spend much money on my own after I make the bill. The medical insurance for community residents is 40 percent.

After the termination of the labor relationship, the employee's medical insurance will not be renewed, and if you do not find a new job, then your medical insurance will be discontinued. I believe that after terminating the labor relationship, it is necessary to find the next labor company.

After the termination of the employment relationship, you can choose to renew the social security payment through the personal window. If you feel that it is too expensive to pay social security, you can choose to pay only health insurance. Wait until you find your next job, and then transfer to the unit window and let the new company help you hand it in.

Social security needs to be paid for 15 years to receive a pension, and medical insurance needs to be paid for 20 years in order to enjoy the benefits of medical insurance reimbursement for life, which we must pay attention to.

The most convenient way to do this is to continue to pay as a flexible employee. After terminating the labor contract with the employer, because there is no labor relationship with the employer, the social security is in a state of disconnection, due to the strong timeliness of the employee medical insurance, if the payment is more than three months, it cannot be reimbursed when sick and hospitalized during this period, if the payment is broken within three months, as long as the payment is made in time, you can enjoy the reimbursement treatment of medical treatment. Therefore, after terminating the labor relationship with the employer, you can go to the social security department to go through the procedures for changing the payment subject with the certificate of termination of the labor relationship, that is, the payment of the employer can be changed to the payment of the individual.

After the termination of the labor relationship, how to pay the employee's medical insurance? The most convenient way to handle this is to continue to pay as a sensitive employee. Let me share my personal thoughts with you.

After terminating the labor contract with the employer, because there was no labor relationship with the employer, the social security is in a state of disconnection, because the employee medical insurance has a strong timeliness, if the payment is more than three months, it cannot be reimbursed when sick and hospitalized during this period, if the payment is stopped within three months, only need to stop the payment in time, and you can enjoy the reimbursement treatment of medical treatment.

Therefore, after terminating the labor relationship with the employer, you can go to the social security department to go through the procedures for changing the hexagram of the payment subject with the certificate of termination of the labor relationship, that is, the key is to change the hexagram from the unit payment to the individual payment. The detailed operation process is to go to the medical insurance window in the office hall of the Social Security Bureau to handle the change of the payment subject, and need to submit their identity documents, departure certificates and their social security cards, fill in the application form for the change of the payment subject, and then go to the bank designated by the social security department to open an account and sign the withholding agreement, and then return the withholding and payment agreement to the medical insurance window.

Due to the fact that many people who pay medical insurance for sensitive employees are paid on an annual basis, so when going through the procedures for changing the hexagram, the need to consult the personnel is clear, and the payment method is divided into two levels: high-end and low-grade. The high-level ordinary is the second grade, and the payment ratio is 8%, and after the payment, it is the same as the medical insurance paid by the on-the-job employees, and the money must be returned to the social security card every month; If you choose the first level of payment, it is a low level, and the payment ratio is about 4%. According to 4% to pay medical insurance generally does not return money, but does not affect the reimbursement ratio when sick and hospitalized, the payment period and the previous unit paid the payment period cumulatively.

When I am re-employed or find a new employer, in the same co-ordination area, the human resources department of the employer will directly stop paying the fee on the original account, because the medical insurance is deducted on an annual basis, if I find a new job in a short period of time, the part of the overpayment can be returned to the individual's social security card at one time.

In short, if the labor contract is terminated with the employer, the medical insurance is in a state of disconnection, and the identity of the employee can be sensitive to continue to pay, in the same overall planning area, the transfer of the relationship is not handled, only the change of the payment subject, and if it is not in the same overall planning area, it is necessary to handle the transfer of the medical insurance relationship before it can be renewed.

Note: Sakura calendar do not break off, pay attention to the payment time, can be sung to receive unemployment insurance, generally there is a three-month buffer time, reimbursement chaos and to show the relevant certificates.

Pay attention to these two points: First, when you terminate the labor contract with the employer, because there is no employment relationship with the employer, the social security payment will be in a state of interruption. Due to the strong timeliness of employee medical insurance, if the payment is interrupted within three months, as long as the supplementary payment is made in time, you can enjoy the reimbursement treatment of medical treatment.

Second, but if the payment is broken for more than three months, it cannot be reimbursed when you are sick and hospitalized during this period, and you can only enable the hospitalization authority after 6 months after the supplementary payment.

When renewing, we must pay attention to the timely payment of the corresponding late fee, and the state hand office should pay the hidden fee on time, and at the same time do not delay, otherwise it will affect the pension of the potato reed.

Employee medical insurance has a strong timeliness <>

After terminating the labor contract with the employer, due to the fact that there is no labor relationship with the previous unit, the social security is in a state of interruption, due to the strong timeliness of the employee medical insurance, if the payment is more than three months, it cannot be reimbursed when you are sick and hospitalized during this period, if the payment is broken within three months, as long as the new unit will pay five social insurance and one housing fund for you in time, and make up the payment, and the medical expenses incurred during the payment period can be reimbursed by the medical insurance;

Transfer to a new work unit <>

Then if you don't want your health insurance payment to be interrupted, you can transfer to a new place of work in this case, and a new employer will continue to pay for you. If you haven't found a new place of work and don't want your health insurance to be interrupted, you can temporarily move to flexible employment.

Flexible employment to pay <>

In fact, the continuation is also very simple, within three months in the form of flexible employment to pay the employee pension insurance and employee medical insurance. I bring my ID card and social security card, go to the human resources and social security center of the street where my household registration is located to go through the registration procedures for flexible employment insurance, and bind the social security card financial account at the same time, and pay the premium into the social security card financial account before the 10th of each month, and the system will automatically deduct it. In some areas, if automatic deduction cannot be realized, then pay at the bank or social security office.

Employee medical insurance and resident medical insurance <>

In short, after the original employer terminates the employment relationship, if the employer cannot be found in a short period of time, then the employer will be converted to a flexible employee for renewal. If you want to pay more in the future, or if you want to enjoy lifelong medical insurance treatment, it is best to pay employee medical insurance. Of course, you can also pay for resident medical insurance, but this has to be paid every year, even if you retire, you have to pay until you are 75 years old to stop, otherwise you can't continue to enjoy medical insurance benefits.

The minimum payment period for medical insurance may vary slightly from place to place, but it is generally necessary to pay for a total of 25 years. If you interrupt your health insurance contributions, it will have an impact on the minimum number of years.

Individuals feel that they can pay for medical insurance by themselves, or if they find a new employer, they can move their medical insurance to a new workplace.

1. Go to the social security and medical insurance bureau of your unit to handle individual payment business. 2. The unit issues a relevant certificate [termination of the contract] 3. Unit payment + individual payment = you have to pay this time.

Renew as a freelancer. Because of the termination of the labor relationship, you cannot participate in the insurance in the name of the unit, so you can only renew the payment as a freelancer.

Therefore, before resigning, it is best to communicate with the human resources department of the unit, and they will issue you a voluntary termination of the labor contract. In this way, you can go to the community to apply for unemployment benefits with the termination of the labor contract, and after the application is successful, not only will you pay money to your card every month (the current unemployment benefit in my small town is 1130 yuan per month). And you don't have to pay for your own health insurance.

Employee medical insurance can be insured as an individual, and you can go to the local social security bureau to inquire, and you can also enjoy employee medical treatment after renewal.

You can go to the local social security department to handle the relevant renewal payment process, and you need to submit your identity document, resignation certificate and your old card.

After the termination of the labor relationship, the employee can go to the medical security bureau to register, apply for medical insurance procedures, according to the provisions of the medical insurance provisions, can continue to enjoy the medical insurance, and the next payment will not be affected, as long as the medical insurance payment is made in accordance with the specified time.

You can go to the relevant departments to understand the specific situation, and then continue to pay these relevant insurances by yourself, and there will be no impact on some of his future benefits.

You can use the status of a freelancer to pay, which will be very flexible, do not need to be affiliated with any unit, and can be paid at one time within the specified time every year.

You should find a job within half a year, so that you can renew it, and the employee medical insurance is hard-won and should be cherished.

Legal analysis: Immediately after the resignation, a new unit will accept it, and all the medical insurance relations can be transferred to the new unit, which will be handled by the personnel management department of the new unit.

Legal basis: Social Insurance Law of the People's Republic of China

Article 12 The employer shall pay the basic endowment insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the basic endowment insurance pool.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Individually-owned businesses without employees, part-time employees who do not participate in the basic old-age insurance and other flexibly employed persons who participate in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with the provisions of the state, which shall be credited to the basic old-age insurance co-ordination and personal accounts respectively.

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Article 35 An employer shall pay work-related injury insurance premiums at the rate determined by the social insurance agency in accordance with the total wages of its employees.

Article 44 Employees shall participate in unemployment insurance, and the employer and the employee shall jointly pay unemployment insurance premiums in accordance with the provisions of the State.

Article 53 Employees shall participate in maternity insurance, and the employer shall pay the maternity insurance premiums in accordance with the provisions of the State, and the employees shall not pay the maternity insurance premiums.

Legal Analysis: How to deal with social security after the termination of labor relations:

1. The person who terminates the labor relationship shall go through the renewal procedures and social insurance registration with the social insurance agency in a timely manner with the "Pension Insurance Relationship Continuation Card" and the "Unemployment Certificate" (or the certificate of termination of labor relations), and go through the declaration and payment procedures with the social insurance agency in accordance with the relevant regulations.

2. After terminating the labor relationship with the enterprise, the personnel who must continue the basic pension insurance relationship across the overall planning area must also go through the basic pension insurance transfer procedures in accordance with the relevant regulations.

3. If the payment of basic endowment insurance is interrupted during the period of unemployment of a person who has terminated labor relations, the payment period shall not be counted during the interruption period, and the original personal account of basic endowment insurance shall be sealed and interest shall continue to be calculated. After re-employment, you should continue to pay contributions, and the payment period before and after and the personal account storage of basic pension insurance will be calculated separately.

4. During the period of receiving unemployment benefits, unemployed workers or laid-off workers who have become unemployed shall not pay medical insurance premiums, enjoy medical insurance benefits, or calculate the payment period. After receiving unemployment benefits, the medical insurance premiums should be paid in full and on time according to the method of participating in medical insurance for flexibly employed persons, so as to enjoy the medical insurance benefits and calculate the payment period.

Legal basis: Article 29 of the Social Insurance Law of the People's Republic of China Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance** shall be directly settled by the social insurance agency and the medical institution and the drug business unit. The administrative department of social insurance and the administrative department of health shall establish a system for the settlement of medical expenses for medical treatment in other places to facilitate the insured persons to enjoy basic medical insurance benefits.