What is temporary medical insurance, how to handle it and how to treat it?

The self-employed, temporary workers, freelancers and other flexible employees in Wuhan can also participate in the basic medical insurance like employees. It was learned yesterday that the Measures for Basic Medical Insurance for Flexible Employees in Cities and Towns in Wuhan has been promulgated and will be implemented on June 5438+February 1 day.

Urban flexible employees refer to those who are employed flexibly by part-time, temporary or flexible working methods, including self-employed, temporary workers, seasonal workers, laborers, hourly workers, freelance writers, translators, intermediary service personnel and street vendors.

Flexible employees should meet three conditions at the same time to participate in the basic medical insurance: male 16 years old and under 60 years old, female 16 years old and under 55 years old; There are permanent residences in Jiang 'an, Jianghan, Qiaokou, Hanyang, Wuchang, Hongshan and Qingshan districts of Wuhan; In the payment window for migrant workers, the procedures for urban basic old-age insurance were handled.

How to participate in insurance

Flexible employment personnel to participate in the basic medical insurance, should hold my account, ID card, urban basic old-age insurance certificate and other related materials, to the social insurance agencies in the jurisdiction where the residence is located to apply for basic medical insurance registration.

The payment base is the average monthly salary of employees in Wuhan last year, and the insurance premium is paid at 6% of the payment base every month. For example, the average monthly salary of employees in Wuhan last year was 1000 yuan, so the monthly insurance premium 60 yuan paid by flexible employees can be paid by the postal department.

How to see a doctor

The basic medical insurance premiums paid by flexible employees are all included in the basic medical insurance pooling fund, and individual accounts for basic medical insurance are not established. In other words, there is no personal fund on the medical insurance IC card. Flexible employees can register and pay fees in the medical insurance window with IC cards when they are in designated medical insurance hospitals. Different from the employee medical insurance card, there is no fund in the medical insurance card account of flexible employees, which is the same as the employee medical insurance in handling hospitalization procedures.

After paying the basic medical insurance premium for six months, flexible employees will enjoy medical insurance benefits for hospitalization and outpatient treatment of some serious and serious diseases and chronic diseases from the seventh month in accordance with the provisions of the Measures for Basic Medical Insurance for Urban Workers in Wuhan.

Can do "big insurance"

Flexible employees can participate in basic medical insurance and large medical insurance according to relevant regulations. Dongxihu, Hannan, Caidian, Jiangxia, Huangpi and Xinzhou Districts may make their own measures for flexible employees to participate in basic medical insurance with reference to these measures.

Personnel who participate in the basic medical insurance with the employer, terminate or terminate the labor relationship with the unit and interrupt the basic medical insurance shall continue to participate in the basic medical insurance according to the provisions of these measures within 6 months from the date of termination and termination of the labor relationship or the implementation of these measures, and enjoy the medical insurance benefits paid by the overall fund from the next month; If the insurance is renewed beyond the specified time, after the renewal payment is over 6 months, the medical insurance benefits paid by the overall fund will be enjoyed from the seventh month.