Can Medicare interrupt refunds, can Medicare be interrupted

1. Since the implementation of the Social Security Law on July 1, 2011, the payment period of basic medical insurance for urban employees in our city has been calculated according to the actual cumulative payment period. If the payment is interrupted or terminated during the insurance period, the medical insurance payment period shall be retained. When the individual insured person retires, if the cumulative payment period does not reach the specified minimum continuous payment period, he or she can pay the medical insurance premium for the difference in the number of years in a lump sum, or he can continue to pay the annual payment to the minimum payment period and then enjoy the medical insurance treatment of the retiree.

2. The minimum payment period for medical insurance for individual insured persons: before December 31, 2004, the resignation of the institutional reform of government agencies and institutions and the bankruptcy (restructuring) of the former state-owned and collective enterprises to receive the settlement fee to terminate the labor relations, male at least 45 years old, female at least 35 years old, medical insurance payment period should be more than 10 years (inclusive); Men over the age of 40 and women over the age of 30 should have paid for more than 15 years (inclusive); Men under the age of 40 and women under the age of 30 should have paid for more than 20 years (inclusive).

3. Within 12 months of interrupting the payment, the individual insured person can make supplementary payment according to the relevant policies, and the supplementary part shall be transferred to the personal account according to the regulations, calculate the payment period, and reimburse the medical expenses incurred during the supplementary payment period.

Social security is the country's welfare policy, is the most basic insurance protection, and cannot be withdrawn in cash.

Legal Analysis: Yes. Medical insurance takes the form of accumulation, which can be interrupted in the middle of the payment, but during the interruption of medical insurance payment, the parties do not enjoy the treatment of medical insurance, and must pay for hospitalization when they are sick, and do not enjoy the treatment of medical insurance reimbursement.

Legal basis: Article 23 of the Social Insurance Law of the People's Republic of China Employees shall participate in the basic medical insurance for employees, and the employer and the employee 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.

Legal analysis: The personal account of the medical insurance card cannot be withdrawn or refunded, and the personal account can be used to pay for diagnosis and treatment items or purchase drugs.

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

Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive early material assistance from the State and society in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with the provisions of the State.

Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards, as well as emergency, rescue medical expenses, in accordance with the provisions of the State from the basic medical insurance ** payment.

Medical insurance can be interrupted, but the interruption of payment will affect the individual's enjoyment of medical insurance benefits, and will not affect the payment period, because according to the provisions of the Social Security Law of the People's Republic of China, the medical insurance payment period is cumulatively calculated.

1. The insured persons shall cease to enjoy the basic medical insurance benefits paid by the overall plan from the date of interruption of payment. When renewing the insurance, the medical insurance premium for the interrupted period shall be paid according to the payment base and payment ratio specified at the time of renewal.

2. If the applicant joins the insurance again after the interruption of payment, the outstanding insurance premiums during the interruption of payment can be made up, and the period of interruption of payment is not calculated, and the medical expenses during the interruption of payment shall be borne by the person. When you enroll in the insurance again, you still have to pay the basic medical insurance premium for 6 months, and you will enjoy the medical insurance treatment paid by the medical insurance pool** from the 7th month.

Article 5 of the Interim Measures for the Administration of Social Insurance Registration.

Medical insurance can be interrupted, but according to the regulations, only by paying the medical insurance fees on time and in accordance with the regulations, can you continue to enjoy the medical insurance benefits. The interruption of medical insurance will directly affect the enjoyment of medical insurance benefits.

The health insurance outage has the following impacts:

1. The medical insurance benefits will cease to be enjoyed from the next month after the termination of the relationship;

2. During the period of severance of diplomatic relations, the personal account will no longer be transferred.

3. The period of disconnection is not included in the actual payment period of medical insurance;

4. If you have interrupted the payment for more than three months or interrupted the payment within three months but do not choose to interrupt the supplementary payment, if you participate in the insurance as an individual, there is a six-month waiting period for medical treatment;

5. Within 24 months of re-enrollment, the maximum amount of treatment paid by the overall plan is 50 of the medical insurance treatment of the city's normal employee basic medical insurance participants.

Medicare can be interrupted, but depending on local policies, it may have an impact on Medicare reimbursement. According to the provisions of the Social Insurance Law, employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the state. ”

If the medical insurance is interrupted for one or two months, it can be paid, and the procedure for interrupting for three months is more troublesome, and the enjoyment will be delayed.

Medicare Surrender: Medical insurance can be surrendered. Generally speaking, because most of the medical insurance is covered for one year, if the policy is surrendered in the middle of the one-year protection period, then the insurance company will refund the remaining premium after deducting the premium and handling fee for the number of days covered, and if the policy is surrendered after the expiration of the one-year protection period, then the insurance company will not refund any fees.

The surrender of the medical insurance generally needs to meet certain conditions, such as the transfer of household registration, the insured's settlement abroad, the death of the insured, etc., and the money in the personal account of the medical insurance can generally be refunded after surrender.

Legal analysis: Termination insurance can not be fully refunded, generally speaking, after buying a policy, there is an electronic policy or a paper policy, and the cash value of the policy is the surrender premium, usually in the first few pages of the contract, the customer can only inquire by himself. If you surrender the policy halfway, if you don't surrender the policy during the hesitation period, there will be a loss, especially if you pay only a few years to surrender the policy, the loss will be greater, and you will not regret what money you have made.

Generally speaking, there is a loss when you surrender a policy, unless it is in one of the following two cases:

1. Surrender during the hesitation period: about 10-15 days after buying the insurance, it is the hesitation period of the insurance, during which the premium can be refunded in full without reason;

2. Misleading sales: If the insurance purchased before was signed under the non-standard operation of the salesman, and the signature of the insurance contract was not signed by the person at the beginning, it is possible to refund all the premiums.

Legal basis: Article 10 of the Social Insurance Law of the People's Republic of China Employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums. Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance at the employer, and other flexibly employed persons can participate in the basic pension insurance and pay the basic pension insurance premiums.

The method of pension insurance for civil servants and staff managed with reference to the Civil Servants Law shall be prescribed by ***.

Purchased medical insurance surrender:

The medical insurance for employees of the unit cannot be surrendered, if the insurance is surrendered by the resident medical insurance:

1. The applicant should apply to the medical insurance window of the social security center and provide information;

2. The applicant fills in the surrender application form;

3. The staff of the window is equipped to check the basic information of the insured, review the surrender qualifications, give medical insurance surrender if eligible, and issue a resident medical insurance refund notice;

4. The applicant shall go to the medical insurance settlement window for refund.

Filial piety if the insurance is commercial medical insurance surrender:

As long as the insurance period does not expire, it can be surrendered, and the insurance can be surrendered through the insurance company's offline business outlets and the insured online platform, taking the insurance company's offline outlets as an example

1. Bring your ID card, bank account and insurance policy to the business outlets of the insurance company;

2. Fill in the surrender application;

3. Submit the information to the insurance company for review;

4. After the review of the slag, the surrender money will be paid into the bank account left, the commercial medical insurance is the surrender premium during the hesitation period, if the surrender exceeds the cooling-off period, it is the premium that has been deducted from the number of days of protection, and the amount after a certain handling fee is the surrender money.

Whether medical insurance can be refunded or not generally depends on the situation

1. If there are the following conditions, you can withdraw it from the personal account, but the part paid by the unit cannot:

1) Reaching retirement age and not meeting the conditions for 15 years of contributions (full payment of personal account savings);

2) Death of the insured person for any reason (personal contribution and interest);

3) The insured person goes abroad to settle down (personal payment part and interest); Dust loss.

4) Death after retirement, and there is still a balance in the personal account (personal contribution part and interest). The part of the unit enters the overall planning, and the overall planning is used to pay for the pension treatment of retirees, not to the state, if there is a deficit when the overall planning ** pays the benefits, the state finance will give subsidies.

2. If the above conditions are not met, it cannot be refunded.

The process of medical insurance withdrawal is as follows:

1. The applicant shall apply to the resident medical insurance window of the medical insurance center and provide information;

2. The applicant fills in the Application Form for Surrender of Basic Medical Insurance for Urban Residents;

3. The handling personnel check the basic information of the insured, review the surrender qualifications, and give the medical brother the surrender of the insurance if the conditions meet the requirements, and issue the "Refund Notice of Basic Medical Insurance for Urban Residents";

4. The applicant shall go through the medical insurance refund procedures at the financial settlement window with the "Refund Notice".

Legal basisArticle 14 of the Social Insurance Law of the People's Republic of China.

Personal accounts are not allowed to be withdrawn in advance, and the interest rate on accounting shall not be lower than the interest rate of bank fixed deposits, and interest tax shall be exempted. In the event of the death of an individual, the balance of the personal account may be inherited.