Guangzhou social security cut off medical insurance for 3 months

Suspension of medical insurance payment for 3 months will not be invalid.

If payment is interrupted, you can use the personal account balance in medical insurance from the next month 1, and you can't enjoy the medical insurance benefits paid by the medical insurance pooling fund.

If the insured person is interrupted for more than 3 months in the medical insurance year, the "continuous payment" period will be recalculated. It mainly affects three aspects:

First, it affects the enjoyment of outpatient treatment for serious illness. The basic medical expenses and local supplementary medical expenses incurred by the insured who enjoy the outpatient treatment of serious illness shall be paid by the basic medical insurance serious illness pooling fund and the local supplementary medical insurance fund respectively according to the following proportions: (1) If the continuous insurance period is less than 12 months, the payment ratio shall be 60%; (two) continuous insurance time 12 months but less than 36 months, the payment ratio is 75%; (three) over 36 months, the payment ratio is 90%.

Second, it affects the payment amount of the basic medical insurance pooling fund. The payment limit of the basic medical insurance fund of the insured person in each medical insurance year is linked to the continuous participation time. For those who have been insured for less than 6 months, 6 months, 12 months, 12 months, 24 months, 36 months, 36 months and 72 months or more, the "ceiling line" is the average salary of employees in this city in the previous year.

Third, it affects the payment amount of local supplementary medical insurance funds.

There is also a concept of "cumulative payment" in medical insurance. This is related to whether the insured person meets the requirements of the minimum payment period of medical insurance when he retires, and only when he meets the requirements can he enjoy medical insurance benefits for free. After the insured's medical insurance payment is cut off, it does not mean that the previous medical insurance payment period is "cleared", but can be calculated cumulatively.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.