Medical insurance policy for laid-off workers

The medical insurance policies for laid-off workers are as follows:

1. unemployment insurance benefits: The conditions for receiving unemployment insurance benefits include the following two: First, if the accumulated payment time of unemployment insurance is over 1 less than 5 years, the unemployed can receive unemployment insurance benefits 12 months at most; Second, if the accumulated payment time is less than 10 years, the unemployed can receive unemployment insurance benefits of 18 months at most;

2. Medical insurance: During the period of receiving unemployment insurance, the unemployed can participate in the basic medical insurance for employees and enjoy the basic medical insurance benefits for employees. The medical insurance expenses paid are paid from the unemployment insurance fund, and individuals can enjoy medical insurance benefits only by paying 2/3 of the medical insurance expenses.

The offline process for laid-off workers to apply for medical insurance is as follows:

1. Prepare relevant materials, including ID card, household registration book, unemployment certificate (employment certificate), etc.

2. Open a special payment card for medical insurance in the local medical insurance account bank;

3. Bring your ID card, household registration book, bank payment card and other materials, apply for medical insurance at the local medical insurance bureau on the date specified by the local social security bureau, and print the payment notice. The local medical insurance bureau withheld the medical insurance premium of laid-off workers through the bank that handled the medical insurance payment card;

4. Flexible employees who have gone through the formalities of medical insurance participation should bring a special payment card for medical insurance before 20 days of the month of participation, and go to the card-issuing bank to handle the merger payment procedures in accordance with the requirements of the payment notice issued before;

5. Laid-off workers who are insured for the first time shall receive their medical insurance cards and medical manuals from their medical insurance bureaus within the specified time.

To sum up, there may be differences in the above processes, so it is recommended to consult relevant local departments or institutions to obtain accurate information.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.