Unemployment benefits and medical insurance is suspended why

The reason why unemployment benefits arrive and health insurance shows up as suspended is usually because unemployment benefits and health insurance are two different social security programs with different payment and eligibility requirements. When an individual loses his job and starts receiving unemployment benefits, his health insurance may show up as suspended because he often no longer has an employer to pay for his health insurance while he is unemployed.

I. The relationship between unemployment benefits and health insurance

Unemployment benefits are a kind of social security benefits specially set up for the unemployed, aiming at guaranteeing the basic life of the unemployed. And health insurance is a system to provide medical protection for citizens, both belong to the social security system, but their nature and purpose are different.

Second, the payment of health insurance during unemployment

Under normal circumstances, the cost of an individual's health insurance is borne by both the employer and the individual***. However, when an individual is unemployed, he or she loses the job and no longer enjoys the right to have the employer pay for his or her health insurance. At this point, if the individual does not pay the health insurance premiums on his/her own in a timely manner, then the health insurance will be shown as suspended.

Three, the unemployment benefits and health insurance convergence problem

While the unemployment benefits are issued to protect the basic life of the unemployed, but it does not include the payment of health insurance costs. Therefore, those who receive unemployment benefits need to pay attention to the payment of medical insurance on their own to ensure that they can also enjoy medical protection during the period of unemployment.

Four, how to deal with the issue of health insurance suspension

For the unemployed who have been suspended, you can choose to pay for their own health insurance during the period of unemployment, in order to maintain the continuity of health insurance. In addition, you can also consult your local social security department or related organizations to find out if there are any special health insurance policies or subsidies for the unemployed.

In summary:

The reason that unemployment benefits arrive while medical insurance is shown as suspended is because unemployment benefits and medical insurance are two different social security programs, with differences in their payment and enjoyment conditions. Unemployed people need to pay attention to the payment of medical insurance at the same time they receive unemployment benefits, in order to ensure the continuity of medical insurance. For the unemployed who have ceased to be insured, they can choose to pay for their own medical insurance or consult the relevant departments for special policies.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 44 stipulates:

Employees shall participate in the basic medical insurance for employees, and shall pay the basic medical insurance premiums by the employing organization and the employees in accordance with the state regulations***.

The Social Insurance Law of the People's Republic of China

Article 48 stipulates:

Unemployed persons shall participate in the basic medical insurance for employees during the period in which they are receiving unemployment insurance benefits, and shall enjoy the basic medical insurance benefits. The basic medical insurance premiums to be paid by the unemployed shall be paid from the Unemployment Insurance Fund, and individuals shall not pay basic medical insurance premiums.

The Social Insurance Law of the People's Republic of China

Article 63 stipulates:

If an employer fails to pay the social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay the premiums by a certain period of time, or to make up the full amount. If the employer fails to pay the social insurance premiums in full or on time, the social insurance premium collection agency may inquire into the deposit accounts of banks and other financial institutions; it may also apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify in writing the banks or other financial institutions where the account is opened to allocate the social insurance premiums. If the balance of an employer's account is less than the amount of social insurance premiums that should be paid, the social insurance premium collection agency may require the employer to provide a guarantee and sign an agreement on deferred payment of premiums. If the employer fails to pay the full amount of social insurance premiums and does not provide a guarantee, the social insurance premium collection agency may apply to the people's court for the seizure, attachment or auction of the property whose value is equal to the social insurance premiums that should be paid, and the proceeds of the auction will be used to offset the payment of social insurance premiums.