How long has it been since health insurance was cut off? How long can the medical insurance be disco

If the payment is interrupted for 2 months, you will not enjoy the reimbursement treatment, and if the payment is interrupted for 3 months, there will be a waiting period for reimbursement.

How to make up the arrears of medical insurance:

1.According to the arrears of medical insurance, the collection department of the medical insurance institution shall establish the arrears data information, fill in the "Notice of Supplementary Payment of Social Insurance Premiums", and notify the insured units to make up the arrears;

2.For the insured units that are unable to pay off the arrears in full at one time due to financing difficulties, the collection department of the medical insurance institution shall sign a social insurance supplementary payment agreement with them;

3.The insured unit shall handle the supplementary payment according to the Notice of Supplementary Payment of Social Insurance Premiums or the supplementary payment agreement, and the collection department of the medical insurance institution shall accept it and notify the financial management department of the medical insurance institution to collect the payment;

4.If the bankrupt unit cannot fully pay off the arrears, the collection department of the medical insurance institution shall accept the application submitted by the bankruptcy liquidation group of the unit, and send it to the audit and supervision department for processing after review;

5.The collection department of the medical insurance institution adjusts the arrears information of the insured unit according to the information on the receipt of the arrears from the financial management department and the write-off information from the audit and supervision department.

Extended Materials. Social security is what is commonly referred to"Five insurances and one housing fund"The specific five insurances are: endowment insurance, medical insurance, unemployment insurance, maternity insurance and work-related injury insurance; One gold is: housing provident fund.

Medical insurance is one of the types of social security insurance, including basic medical insurance, accidental injury medical insurance, serious illness medical insurance, social medical insurance, surgical medical insurance, etc. Medical insurance is an insurance that provides financial compensation for the expenses incurred due to illness.

Basic medical insurance is the most common and one of the five national insurance guarantees, which is a medical insurance system that pays the corresponding economic compensation for the economic losses caused by illness and injury through the joint payment of the employer and the individual.

Accident medical insurance is a form of insurance that pays for medical expenses, hospitalization, etc. incurred when the insured suffers an accidental injury.

The coverage, amount, and insurance requirements of each medical insurance are the same, and you can consult each insurance company for details.

More than three months. If the medical insurance is suspended for more than three months, it is generally not available. If the payment is interrupted for three consecutive months, it will be deemed to have interrupted the insurance; The payer needs to go through the insurance procedures again and pay the premiums for six consecutive months before they can enjoy the medical insurance benefits again.

Extended information: According to the relevant regulations, it should be noted that the insured person who interrupts the payment for any reason should pay attention to the suspension of the medical insurance treatment from the next month after the interruption of payment, and can only enjoy the medical insurance treatment from the next month after going through the normal payment procedures; If the payment is interrupted for more than 3 months, it will be deemed to have interrupted the insurance, and the medical insurance treatment can only be enjoyed after the insurance has been completed after the insurance has been interrupted and the payment has been paid for 6 consecutive months. Medical insurance refers to social medical insurance, which is a social insurance system for the basic medical needs of workers when they are sick in accordance with laws and regulations.

The advantage of medical insurance is that it is treated according to a uniform standard. The same access conditions, the same charging standards, the same treatment, there is no difference between high and low, the employee outpatient expenses can be deducted from the personal account, and the employee will pay for it after the deduction.

1. If the medical insurance payment is interrupted for 3 consecutive months, it will be regarded as the interruption of insurance participation and cannot be used.

2. If the employee medical insurance insured person interrupts the payment within 3 months (excluding 3 months), it will not be deemed to have interrupted the insurance, and if the payment has been interrupted for 3 months (inclusive), it will be deemed to have interrupted the insurance, and the medical insurance treatment will be suspended from the next month after the interruption of payment, and the medical insurance treatment can only be enjoyed from the next month after the normal payment procedures are completed; After the interruption of the insurance participation and the payment of premiums for 6 consecutive months, you can enjoy the medical insurance benefits.

3. The overall planning of basic medical insurance for employees and personal accounts shall be calculated separately according to their respective payment scopes, and shall not be crowded out of each other

1) Personal account, which is used to pay for outpatient expenses, hospitalization expenses, and shopping expenses at designated pharmacies.

2) Co-ordination**, which is used to pay for inpatient medical treatment and some outpatient serious illness expenses. In principle, the minimum payment standard is controlled at about 10% of the average annual salary of local employees, and the maximum payment limit is controlled at about 4 times the average annual salary of local employees. Medical expenses below the threshold shall be paid from the personal account or by the individual.

Medical expenses above the minimum payment standard and below the maximum payment limit are mainly paid from the overall plan**.

After the medical insurance is suspended, the medical insurance personal account will not be cleared, and the payment period of the medical insurance will not be cleared.

However, if you stop paying for more than 3 months and want to repay, you have to go through the insurance procedures again, and you can only recover the medical insurance benefits after 6 consecutive months.

Impact of Cutoff:

Impact 1: Unable to reimburse medical expenses.

In most areas, the medical insurance can no longer be used from the second month after the payment is stopped;

Of course, the money belonging to your personal account can still be swiped, but hospitalization and other expenses cannot be reimbursed.

Only a very small number of areas can still be reimbursed within three months of the end of medical insurance payments.

Impact 2: The annual reimbursement cap will be reduced.

Generally speaking, the longer the continuous payment of medical insurance, the higher the annual reimbursement cap.

The continuous payment period will be cleared to zero, and you need to start accumulating again.

Again, the clearing here refers to the clearing of the continuous payment time, and the balance of the personal account will not be cleared.

Impact 3: Buy a house, buy a car, and get points into the household.

To buy a house, you need to pay social security for 5 consecutive years, and once the payment is broken, it will be recalculated.

Impact 4: Commercial medical insurance premiums**.

Most of the million medical insurance on the market is divided into two versions, one is suitable for people with medical insurance to buy, **cheap;

The other is suitable for people who do not have health insurance, and it is much more expensive.

Therefore, the impact of the discontinuation of medical insurance is still quite large. Even if you want to change jobs, you should continue to pay medical insurance as much as possible.

Extended information: After purchasing employee medical insurance, after going to the outpatient and emergency department of the hospital, the medical expenses of more than 1,800 yuan can be reimbursed, and the reimbursement ratio is 50%. If it is a retiree under the age of 70, the expenses above 1,300 yuan can be reimbursed, and the reimbursement ratio is 70%. If you are a retiree over the age of 70, the proportion of expenses above 1,300 yuan that can be reimbursed is 80%.

In 2009, when the basic medical insurance was used to pay for the first time in a year, the minimum amount of hospitalization was 1,300 yuan, regardless of whether it was an active employee or a retiree. The minimum payment standard for the medical expenses of the second and subsequent hospitalizations is determined by 50%, which is 650 yuan. The maximum payment of basic medical insurance co-ordination** (hospitalization expenses) in one year is 70,000 yuan.

If the medical insurance is suspended for more than 3 months, it will be deemed to be automatically surrendered. If the cumulative number of years of retirement contribution is insufficient, you can make up the payment. In accordance with the relevant regulations, the personal account of the insured person shall be retained during the interruption of work for any reason; After re-working, the amount stored in the personal account is calculated cumulatively, and the interest is calculated uninterruptedly.

If the payment is interrupted for less than 3 months, the flexible employment can make up the medical insurance premiums and be charged a late fee of 2 per day from the month of non-payment, and enjoy the medical insurance treatment from the month of supplementary payment; If the payment is interrupted for more than 3 months, it will be deemed to be automatically surrendered, and the medical expenses incurred during this period shall be borne by the individual. However, the medical insurance problem is different from place to place, so it is necessary to consult the local medical insurance center to have a correct solution. Legal basis:

Article 23 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. 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.

If you stop for a few months, you can now pay normally. It will not affect the normal medical treatment. If it is stopped for less than three months, it will not affect the reimbursement of medical treatment and hospitalization.

If it is stopped for more than three months, the medication and outpatient treatment will not be affected, but the hospitalization reimbursement will be affected. If you still have money in your medical insurance card, you can continue to use it, because the money on the card was originally used for hospitalization or medicine, and it will not be frozen because you do not pay the insurance.

If the medical insurance is interrupted, the payment of basic medical insurance premiums is interrupted for 3 consecutive months or the payment is interrupted for 6 months, and the basic medical insurance benefits are stopped.

After the resumption of payment, if the payment is interrupted for 3 consecutive months, the payment can be re-enjoyed after 6 consecutive months of payment, and the medical insurance treatment can be re-enjoyed after 1 year of continuous payment!

If your health insurance is out of service for how long you can't use it? Generally speaking, as long as you don't pay the fee in the second month, you can't use it, I think at this time to pay the fee in time, pay the fee and you can use it, don't let it go more than three months. It can only be used normally after more than three months.

The medical insurance can not be used for two months, and normally speaking, the payment will be made up in time if the payment is broken, so that it can be made.

If the medical insurance is suspended for more than three months, it will be regarded as automatic surrender and cannot be used.

If there is no continuous payment for more than the charging period, even if it is a short insurance, this is generally in March of the next year, and if the approval is re-processed, it is also valid for three months.

It cannot be used after three months of discontinuation of medical insurance.

Under normal circumstances, within three months of the interruption of payment, you can enjoy the normal medical insurance treatment from the second month after going through the normal payment procedures.

If you interrupt the payment for 3 months in a row (including the forest bump), it will be regarded as the interruption of the insurance, and if you want to enjoy the medical insurance treatment after the interruption of the insurance, you need to add the condition of continuous payment for 6 months after going through the renewal procedures.

Consequences of Medicare Cutoff:

1. The medical insurance benefits will cease to be enjoyed from the next month after the severance of diplomatic relations.

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 miss more than one month or interrupt 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, it will be paid by the co-ordination**.

The maximum limit of treatment is 50% of the medical care treatment of the basic medical insurance participants of normal employees in our city.

In addition, the previous payment period of medical insurance still has to be calculated cumulatively and will not be cleared. Medical insurance is closely related to people's lives, and it is best not to stop paying if conditions permit.

1. How long can the medical insurance be suspended?

1. If the medical insurance is suspended for more than 3 months, it will be regarded as automatic surrender. If the cumulative number of years of retirement contribution is insufficient, you can make up the payment. If you stop paying for more than three months, it is automatically regarded as a withdrawal from social insurance in the law, and of course, if you have accumulated insufficient years of retirement, you can make a supplementary payment.

2. Basis of the law: Article 27 of the Social Insurance Law of the People's Republic of China.

Individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, the cumulative contributions reach the number of years prescribed by the state, and the basic medical insurance premiums will not be paid after retirement, and they will enjoy the basic medical insurance treatment in accordance with the provisions of the state; If the number of years prescribed by the state has not been reached, the fee can be paid until the number of years prescribed by the state.

Second, how many years of medical insurance to pay can be read in order to enjoy life.

Medical insurance generally requires that men pay for no less than 25 years and women for no less than 20 years to enjoy it for life. According to the law, employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance chain fee in accordance with the provisions of the state.

3. Medical insurance reimbursement will be reimbursed.

For medical insurance reimbursement, you need to go to the local medical management center or the medical insurance settlement window of the designated medical institution for reimbursement. According to the law, 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.