Is it voluntary to participate in medical insurance in 2021?

Hello, if the medical insurance you are referring to is social medical insurance, as a unit or company, the state will force the boss to buy it for employees, but there are also some small bosses who do not give it a purchase; If you do not work at your employer, you can participate voluntarily as a flexible employee as a member of the Social Insurance Act.

Social medical insurance is a social insurance system for the basic medical needs of workers when they fall ill in accordance with laws and regulations. Similar to social medical insurance is medical insurance, a kind of life insurance, which is voluntary insurance. The full name of medical insurance is medical expense insurance, which refers to the insurance that provides protection for the medical expenses of the insured during the period of diagnosis and treatment based on the conditions for the payment of insurance benefits in the event of medical treatment as agreed in the contract.

Medical expenses generally include doctors' outpatient fees, medicine fees, hospitalization fees, nursing fees, hospital miscellaneous expenses, surgery fees, and various examination fees. Medical insurance is usually a one-year or short-term insurance for a one-year period.

Social medical insurance and commercial insurance in the medical insurance has a large difference, first, the basic attributes of the two are different, social medical insurance has universality, it is a public welfare undertaking, generally speaking, when you sign a contract with the unit, the company buys five insurances and one housing fund for you, which includes social medical insurance. In the medical insurance of commercial insurance, the insurance company is for the purpose of profit, not mandatory, and mainly relies on the commercial honor and strength of the insurance company to win customers. Second, the level of protection between the two is different.

Social medical insurance is characterized by low level and wide coverage, so the reimbursement ratio and reimbursement scope are strictly controlled, while commercial medical insurance is a high-level reimbursement, and the reimbursement scope is wider than that of social medical insurance. Third, the insurance liability of the two is different. The function of social medical insurance is to ensure the basic life of the general public, and its purpose is to ensure social fairness when people are sick and can obtain a certain proportion of medical insurance.

Commercial medical insurance, on the other hand, is an insurance for medical expenses through the signing of a contract under the condition that the policyholder is completely voluntary, which is essentially a risk transfer.

The urban medical insurance of individuals is voluntary, and the medical insurance of employees of the unit must be paid. In fact, the first level of urban medical insurance this year is 280 yuan, and the second level is 380 yuan, although it is voluntary, but it is recommended that you must pay it to prepare for a rainy day for your body, and this money will not affect your life, because the disease will not tell you that it will come.

If it is an individual, it should be voluntary, and if it is a unit, it belongs to the policy and must be paid.

The Social Insurance Law of the People's Republic of China has characterized the medical insurance for urban residents and the new rural cooperative medical system as the same basic medical insurance system as the medical insurance for employees, and implements the principle of compulsory participation in the two basic medical insurance systems for urban and rural residents, which is in line with the law. In other words, the compulsory participation in the medical insurance for urban residents, the New Rural Cooperative Medical System and the medical insurance for employees is an inevitable requirement and due meaning of the implementation of the Social Insurance Law.

To put it simply, it is mandatory to pay for the employment medical insurance of enterprises and institutions! For individuals and self-employed households, the principle of voluntariness is adopted, but it is better to pay personal advice, or those who have already paid commercial insurance can be ignored.

If as an employer, the Social Insurance Law stipulates that medical insurance is compulsory and all employers must participate in medical insurance: if it is for individual flexible employees, it is not mandatory under the Social Insurance Law and should be voluntary.

2021 has not yet arrived, and there are no relevant policies yet.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease.

Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation.

The establishment and implementation of the basic medical insurance system gathers the economic strength of the unit and the members of the society, coupled with the best funding, which can enable the sick members of the society to obtain the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick members of the society from becoming poor due to illness.

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 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 25 The State shall establish and improve the basic medical insurance system for urban residents.

The basic medical insurance for urban residents implements a combination of individual payment and subsidy.

Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families, etc., will be subsidized by **.

Article 30 The following medical expenses are not included in the scope of payment of basic medical insurance**

1) It should be paid out of work-related injury insurance**;

2) It shall be borne by a third party;

3) It should be borne by public health;

4) Seeking medical treatment outside the country.

Medical expenses shall be borne by the third party in accordance with the law, and if the third party does not pay or the third party cannot be determined, the basic medical insurance shall pay in advance. After the basic medical insurance** is paid in advance, it has the right to recover from a third party.

Since the 2021 insurance year, the national insurance information has been interconnected, dynamically updated, and real-time queried, and after this method is realized, it can provide technical support for the orderly elimination of duplicate insurance.

OK.

Medical insurance in many places has begun to pay for the next year in advance, the main purpose is to connect with this year's work.

Therefore, you can go to the local medical insurance payment department for consultation.

Medical insurance can be paid in 2021! The medical insurance for urban and rural residents will start to be paid from November 16 to March 31, 2021, and the individual payment standard is 280 yuan, and 830 yuan must be paid after the deadline, and the illness born after 60 days of payment can be reimbursed. Please inform each other to pay in time (please.)

Pros can't. According to the policy, employees cannot enjoy medical insurance benefits during the suspension of medical insurance. If it is a medical insurance arrears, you can pay at the tax self-service payment machine in the lobby of the citizen's home, and the payment information will not affect the hospitalization reimbursement after the social security is sent to the account.

If the insured person fails to pay the medical insurance premiums in full and on time in accordance with the regulations, and the medical insurance benefits are terminated from the month when the payment is not made in full and on time, and the payment continues after the interruption, the average salary of the local employees in the previous year must be used as the payment base according to the regulations, and all the arrears during the interruption period will be made up.

Hope it helps.

Medical insurance is originally paid one year in advance, and the premium for 2021 must be paid by the end of 2020, that is, before December 31, and the specific amount is determined according to your actual situation.

Now you can pay the 2021 medical insurance, which is generally available in the last two to three months of each year.

OK.

Taking Sichuan Province as an example, those who participate in the basic medical insurance for urban and rural residents in 2021 should register for insurance registration in the sub-district (township) or village of their place of residence with valid identity documents, and full-time college students shall be registered by the school; The registered poor population shall register for insurance participation in the identified place, among which Donghe Township, Xide County, Pushi Township, Zhaojue County, and Mazengyiwu Township shall register for insurance in Xichang City.

Those who pay within the centralized payment time can enjoy the treatment from January 1 to December 31 of the following year (from September 1 of the current year to December 31 of the following year for full-time college and secondary school freshmen); Those who pay during the non-centralized payment time will enjoy medical insurance benefits from 90 days from the date of insurance to December 31 of the current year. Those who enjoy the full subsidy for the part of individual contributions shall enjoy medical insurance benefits from the date of identification.

Hello: Resident medical insurance is paid once a year, and if you do not participate in resident medical insurance in 2020, you can repay it in 2021! Now is the time to pay medical insurance, hurry up and pay it! Good luck!

Yes, you are allowed to pay again.