Is it cost effective to pay employee medical insurance after resignation?

It must be not cost-effective, because the individual paying the employee medical insurance means that the full amount must be paid by himself, so the economic pressure will be greater, but if you have the financial strength, you can also pay it like this.

If you pay for employee health insurance yourself, you will have to pay the premium in full, so the pressure is relatively high. Because usually the workplace will cover most of the costs, while the individual only needs to bear a small part of the cost. Therefore, if an individual who does not have a work unit must pay for health insurance, it is better to opt for domestic health insurance.

After all, the cost will be lower.

But. The reimbursement rate of employee medical insurance is higher than that of domestic medical insurance. So, if you're only enrolled in domestic health insurance, there's not really much protection. Therefore, it is advisable not to use it yourself, it will be much easier to have a work unit to help you.

Extended Materials. Medical insurance generally refers to basic medical insurance.

It is a social insurance system established to compensate workers for economic losses caused by the risk of illness. 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 first 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".

In November 2019, the first batch of 422 diseases and payment methods in Anhui.

It was announced that from January 1, 2020, medical insurance for urban and rural residents.

When the insured people seek medical treatment in the 18 provincial hospitals, there will be a unified payment standard.

First, it is conducive to improving labor productivity.

Promote the development of production.

Medical insurance is the inevitable result of social progress and production development. In turn, the establishment and improvement of the medical insurance system will further promote social progress and the development of production.

On the one hand, medical insurance relieves workers' worries and makes them work with peace of mind, so as to improve labor productivity and promote the development of production; On the other hand, it also ensures the physical and mental health of workers and the normal reproduction of labor.

2. Adjust income disparities and reflect social fairness.

Medical insurance adjusts income differences by levying medical insurance premiums and reimbursing medical insurance service fees, which is an important means of income redistribution.

3. An important guarantee for maintaining social stability.

Medical insurance provides financial assistance to sick workers, helps to eliminate social instability caused by illness, and adjusts social relations.

and an important social mechanism of social contradictions.

Fourth, an important means to promote social civilization and progress.

The social system of medical insurance and social mutual assistance, by sharing the risk of disease costs among the insured, embodies a new type of social relationship of "one party is in trouble, all parties support", which is conducive to promoting social civilization and progress.

Fifth, promote the reform of the economic system.

In particular, the reform of state-owned enterprises.

important guarantees.

After resignation, whether an individual can enjoy lifelong medical insurance treatment by paying medical insurance depends on the choice and payment of medical insurance

1. Those who choose resident medical insurance do not have lifelong benefits, and can only pay for one year and guarantee for one year;

2. Those who choose employee medical insurance need to meet the requirements of the minimum cumulative payment period, which requires men to pay for 25 years before retirement, and women need to pay for 20 years before retirement. Moreover, the reimbursement ratio of medical insurance after retirement is higher than that before retirement.

Therefore, if conditions permit, it is recommended to participate in the employee medical insurance as an individual.

1. How to pay the medical insurance for employees after resignation.

1. The medical insurance is paid as follows:

1) The insured can bring his ID card and social security card to the local social security agency or the sub-district office that has opened the social security business to handle the personal renewal business, and if he needs to handle the bank withholding business, he or she also needs to provide his or her bank card;

2) The insured can directly log in to the personal online handling system on the official website of the local social security bureau, and after registering the handling user, they can handle relevant business through the individual social insurance online handling system;

3) You can find a social security payment agency. This type of institution can help users pay social security with their employers, but they need to pay an additional fee.

2. 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.

2. How long will the employee's medical insurance be invalidated?

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, it can be made up;

2. 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;

3. If the flexible employment interrupts the payment for less than 3 months, the medical insurance premium can be paid back and a late fee of 2% per day will be charged from the month of arrears, and the medical insurance treatment will be enjoyed from the month of the supplementary payment; If the payment is interrupted for more than 3 months, it will be regarded as automatic surrender, and the medical expenses incurred during this period shall be borne by the individual;

4. Medical insurance must accumulate a certain number of years of payment (including the deemed payment period) at the time of retirement, which is generally stipulated to be 20 to 30 years, and the actual payment period must reach 5 years (or 10 years) before you can enjoy medical insurance protection for free for life after retirement. If the cumulative number of years of contribution at the time of retirement is not enough to meet the requirements, the difference in the number of years of medical insurance contributions can be made up according to the current rate standard;

5. When the worker joins the new employer, in order to protect their respective rights and interests, the two parties must not only sign the labor contract, but also the employer also needs to pay social insurance for the employee.

Legal analysis: It is necessary to pay the employee's medical insurance after leaving the job. There is no conflict between the residents' medical insurance and the employees' medical insurance, and they can be paid at the same time.

If you leave your job, you can pay medical insurance, and the medical insurance you pay does not belong to the employee medical insurance, but the resident medical insurance. The employment status of the local social security bureau cannot pay the employee medical insurance on a monthly basis, and if you are reemployed in the short term, you can pay the medical insurance with a new unit, and you cannot pay the medical insurance as a flexible employment status. If you want to buy a house, buy a car, go to school, enter a household, etc., it is related to the number of consecutive months of social security payment.

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 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 employees who are flexibly employed can 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.

The standard of compensation for dismissed employees is N+1, which is the economic compensation paid to the employee according to the number of years of service in the employer, and the standard of one month's salary for each full year. where it is more than six months but less than one year, it is calculated as one year; If it is less than six months, the worker shall be paid half a month's salary. The severance under normal circumstances is n.

Regardless of the type of employment contract, there are no conditions required, and it can be terminated through negotiation. Applicable conditions of "N+1": The employer is in:

In 3 cases, the employee is not notified in writing 30 days in advance to terminate the labor contract.

Summary. If you leave your job, you can pay for medical insurance.

The medical insurance paid by resignation does not belong to the employee medical insurance, but the resident medical insurance.

Is it necessary to pay employee medical insurance after resignation?

If you leave your job, you can pay for medical insurance. The medical insurance paid by resignation does not belong to the employee medical insurance, but the resident medical insurance.

The amount paid is the amount of employee medical insurance, not the amount of resident medical insurance.

What is the difference between paying more than 4,000 and not more than 300 resident medical insurance after leaving the job.

You're talking about social security.

More than 300 are just medical insurance.

I'm consulting about health insurance.

With so much medical insurance, you can use it to buy medicine. Resident medical insurance is only used for hospitalization reimbursement. There is no money in the medicine. You have to pay for it yourself.

If you are hospitalized, is the reimbursement rate the same?

Not the same. Employee medical insurance reimbursement is higher.

What percentage is it.

It also depends on the hospital. That hospital grade is not the same.

Tertiary hospital. Generally around 80 percent.