Can I get a refund for the medical insurance I have already paid?

No. The state stipulates that since January 1, 2010, there are only three situations in which an individual's insurance can be withdrawn:

1. Death on the job.

2. Settle abroad.

3. Reach retirement age.

, the insurance has been paid for less than 15 years.

In our country, social insurance is a social security system.

It occupies a central position in the overall social security system. In addition, social insurance is a kind of contributory social security, and the funds are mainly paid by the employer and the worker himself, and the government will subsidize and bear the ultimate responsibility. However, only when the worker fulfills the statutory payment obligation and meets the statutory conditions can he enjoy the corresponding social insurance benefits.

Medical insurance refers to the basic medical insurance through national legislation in accordance with the principle of compulsory social insurance.

The fee shall be paid in full and on time by the employer and the employee. If you do not pay in full and on time, regardless of your personal account, the basic medical insurance co-ordination will not pay your medical expenses. Take the proportion of medical insurance contributions in Beijing as an example:

The employer shall pay 10% of the total payment base every month, and the employee shall pay 2% of his salary + 120 yuan for serious illness.

Medical insurance is a type of insurance that compensates for the medical expenses incurred by illness. Social insurance is a social insurance in which an employee is provided with necessary medical services or material assistance by the society or enterprise when he or she is sick, injured or gives birth. For example, China's publicly-funded medical care.

Labor insurance and medical care. The medical expenses of Chinese employees are jointly borne by the state, units and individuals, so as to reduce the burden on enterprises and avoid waste. In the event of an insurance liability event, it is necessary to pay the insurance premium on a pro-rata basis.

In November 2019, the National Health Insurance Administration launched the national medical insurance electronic voucher.

The system was first piloted in some cities in Hebei, Jilin, Heilongjiang, Shanghai, Fujian, Shandong, Guangdong and other places.

In 2020, 136131 million people participated in basic medical insurance in China, and the participation rate remained stable at more than 95%.

Yes, the acceptance conditions for medical insurance withdrawal:

1.After going through the procedures for insurance payment, if the insured person requests to withdraw from the resident medical insurance due to the cancellation of household registration, transfer out, student cancellation, participation in other social insurance, etc., and has not yet enjoyed the current year's resident medical insurance benefits, he or she shall go through the surrender and refund procedures before the treatment period or within the first month of the treatment period, and will not be processed after the deadline. Insured students who are conscripted into the military in the middle of the year, and whose medical expenses have not yet been paid by the resident medical insurance co-ordination**, can go through the procedures for surrender and refund;

2.If all kinds of re-insured persons request to withdraw from participating in the resident medical insurance due to household registration cancellation, transfer out, participation in other social insurance, etc., before the waiting period for benefits, they shall go through the procedures for surrender and refund before the period for enjoying the resident medical insurance benefits in the current year, and will not be processed after the deadline. Application materials for withdrawal from medical insurance:

1.Original and photocopy of ID card;

2.The original and photocopy of the household registration book (personal information page);

Legal analysisMedical insurance contributions are non-refundable. Under normal circumstances, the balance of the social security personal account can only be withdrawn after retirement, but only the balance of the pension personal account. Therefore, when you enroll in insurance, you should think about it carefully.

If the special surrender conditions are met, the medical insurance paid by the individual can also be refunded. According to the specific situation: 1. According to the payment of urban employees' medical insurance, the part paid by individuals belongs to the scope of flexible employment, and the part will not enter the payment, so it cannot be refunded; 2. If an individual pays medical insurance normally, and then participates in the work unit to help form a duplicate insurance, the amount will be refunded according to the relevant policies of medical insurance, etc.

If the insured person dies and the household registration has been cancelled. After the death certificate is issued, the immediate family members of the insured person can receive a refund in accordance with relevant regulations; Settle abroad and cancel your domestic hukou. If you no longer live in the country, you can apply for a refund of the private health insurance according to the designated process.

Legal basisArticle 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.

Yes, the acceptance conditions for medical insurance withdrawal: x0d x0a1After going through the procedures for insurance payment, if the insured person requests to withdraw from the resident medical insurance due to the cancellation of household registration, transfer out, student cancellation, participation in other social insurance, etc., and has not yet enjoyed the current year's resident medical insurance benefits, he or she shall go through the surrender and refund procedures before the treatment period or within the first month of the treatment period, and will not be processed after the deadline.

The original special collection receipt.

Medical insurance can be refunded, as follows:

1. If the flexible employee participates in the employee medical insurance in his or her personal capacity and pays a one-time fee for one year, if he finds a job on the way and his employer pays the employee medical insurance for him, then in this case, the overpaid employee medical insurance fee can be refunded;

2. After going through the procedures for insurance payment, if the insured person requests to withdraw from the resident medical insurance due to the cancellation of household registration, transfer out, student cancellation, participation in other social insurance, etc., and has not yet enjoyed the current year's resident medical insurance benefits, he or she shall go through the surrender and refund procedures before the treatment period or within the first month of the treatment period, and will not be processed after the deadline. Insured students who are conscripted into the military in the middle of the year, and whose medical expenses have not yet been paid by the resident medical insurance co-ordination**, can go through the procedures for surrender and refund;

Legal basisArticle 29 of the Social Insurance Law of the People's Republic of China.

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.

Article 30. The following medical expenses are not covered by 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.

Medical insurance is non-refundable. The state stipulates that individuals who participate in the basic pension insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis. However, in the event of the death of the insured, the balance of the personal account can be inherited.

If the insured person has not reached retirement age, but the insured person has passed away and the account has been cancelled, relatives can apply to inherit the balance of the insured person's personal account.

The impact of the health insurance cut-off is as follows:

1. From the next month after the suspension of payment, you cannot enjoy the medical insurance treatment of employees, that is, you cannot be reimbursed with a medical insurance card;

2. Affect the payment period, if the medical insurance payment is only interrupted within three months, then the continuous insurance time can be counted when the payment is continued;

3. The basic medical expenses and local supplementary medical expenses incurred in the treatment of serious diseases can be reimbursed;

4. It will affect the payment amount of basic medical insurance, and the payment limit for one month will also be reduced.

Social Security Reimbursement Process:

1. The insured person shall bring the discharge summary, invoice, medication schedule, and certificate of remote medical treatment issued by the unit to the local social security agency for reimbursement;

2. For hospitalization fees, drug fees, etc., you can go directly to the medical insurance office of the hospital to go through the settlement procedures.

Legal basisArticle 4 of the Social Insurance Law of the People's Republic of China.

Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.

No. Medical insurance is a national policy guarantee, the premium is low, the protection is complete, and it cannot be refunded after paying the bill, and the money cannot be returned. In addition, if the same insured person has paid both urban and rural residents' medical insurance and employee medical insurance, only one copy can be used for reimbursement, and it cannot be superimposed to enjoy the benefits, but the treatment of employee medical insurance will be better than that of urban and rural residents' medical insurance, and it is better to be able to buy employee medical insurance.

Can I get a refund after paying medical insurance? Generally speaking, you can't return Qingqiao after you have paid the medical insurance fee. However, in some special circumstances, refunds may occur, such as the termination or revocation of the personnel relationship of the medical insurance unit, and the assessment of families in extreme poverty or living difficulties, etc., can apply for a refund to the local medical insurance department.

However, the chances of success are small and need to be reviewed and approved by the medical insurance department.

It is impossible to retreat from a digging game.

But for example, some forms of health insurance have changed. Or if there are some other circumstances that must be refunded, then you can go to the early medical insurance scattered mess.

Generally speaking, it is not allowed to pay medical insurance, two places to buy medical insurance at the same time, this is not allowed, that is to say, when you are sick, it is impossible to reimburse you twice, generally speaking, if you pay the new rural cooperative urban and rural domain name resident insurance medical insurance, it should be left in December, that is, to dismantle the cong and say that before December, this is a refundable brigade erection cherry, if after January, this matter is not allowed to be refunded.

Whether the medical insurance can be refunded after payment 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);

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, give medical insurance surrender if eligible, 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.