Can I get a refund if I pay personal medical insurance?

Whether the medical insurance paid by individuals can be refunded depends on the actual situation:

1. If it is medical insurance for urban and rural residents, you can apply for a refund in case of cancellation of household registration, death of the insured, migration of the insured and other special circumstances;

2. If it is medical insurance for urban workers, the medical insurance paid by individuals refers to flexible employment medical insurance, and the personal account of flexible employment medical insurance will not enter money, so it cannot be refunded. However, if the employee medical insurance is paid by both the unit and the employee, then both the individual account and the overall account will enter the fund. Therefore, if there are special circumstances such as repeated payment, death of the insured, and immigration of the insured, you can apply to withdraw the money from the personal account of medical insurance.

Medical insurance process for urban and rural residents:

1. After receiving the form and filling in the registration form, the agent of the insured unit copies the application form of social security (citizen) card on both sides and sends it to each new insured person, and instructs the new insured person to fill in the application form according to the requirements of the application rules.

2. Before the 3rd day of the next month of insurance registration, the agent of the insured unit will arrange for the new insured to take his ID card (or military officer's card and passport) to the photo studio designated by the social security (citizen) card to take digital photos of the social security (citizen) card, and paste the photo receipt in the corresponding position of the application form. The social security card (citizen card) charges 4 yuan/person for taking photos.

3. To receive the application form and fees, please ask the manager of the insured unit to get the completed social security (citizen) card application form from the new insured person before the next month of enrollment registration 19, and also get the social security (citizen) card fee, 20 yuan/person.

4. Hand in the form, pay the fee and get the card. The bank where the medical insurance account is opened will notify the insured unit to go through the formalities of submitting the form, paying the fee and getting the card at the municipal medical insurance center after the second month of insurance registration 19. The process of submitting forms, paying fees and obtaining cards: it can be handled at the designated window in the service hall of the medical insurance center.

5. The agent of the card-issuing insured unit shall issue the social security (citizen) card to the insured within one week after receiving the card.

Legal basis:

People's Republic of China (PRC) social insurance law

Thirty-second individuals across the overall regional employment, the basic medical insurance relationship with my transfer, the cumulative payment period.

Thirty-first social insurance agencies may, according to the needs of management services, sign service agreements with medical institutions and pharmaceutical business units to standardize medical service behavior. Medical institutions shall provide reasonable and necessary medical services for the insured.

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.