Can I use medical insurance after Shanghai social security stops paying?

1, the insured needs to renew the insurance for a certain period of time before continuing to use it;

2. However, if the insured reaches the retirement age and the accumulated payment reaches the fixed number of years stipulated by the state, he can continue to use it without paying medical insurance afterwards.

Payment of medical insurance benefits shall be suspended, and medical insurance benefits shall be suspended from the month following the date of suspension of payment. To put it simply, it is not to stop using it immediately, but to stop enjoying medical insurance benefits from next month. But it doesn't mean that the medical insurance card can't be used. Although the medical insurance has been suspended, the money in the personal account of the medical insurance card can still be used, which can only be used to buy medicine and see a doctor at the outpatient clinic. If you are hospitalized, you can't enjoy medical insurance reimbursement, and you have to pay for it at your own expense. Unlike endowment insurance, medical insurance can calculate the cumulative payment time. Even if it is interrupted, it will not have a great impact on the collection of endowment insurance, but medical insurance is different. Under normal circumstances, if you participate in employee medical insurance, but later stop paying because of resignation and other reasons, then your medical insurance account will be sealed in the next month when you stop paying, and you can't enjoy medical insurance benefits. This is because medical insurance is different from old-age insurance. Medical insurance is pay as you go. With your current money, you can enjoy medical insurance treatment if you pay, but you can't enjoy it if you don't pay. The remaining money in your medical insurance card will be cleared and invalidated. During the period when your account is blocked, the remaining money in the medical insurance card can still be used, which can be used to see a doctor in a designated medical insurance hospital and settled by card until the money in the medical insurance card is used up. Some areas will freeze and need to go to the social security center to thaw before they can be used. The money in other accounts, such as the pension insurance account, cannot be used, but can only be used after retirement (provided that the payment is full 15, and the supply can be cut off halfway).

I. Social security mainly includes the following insurances:

1, endowment insurance. A social insurance system in which workers receive certain economic compensation, material help and services from the government and society after reaching the statutory retirement age;

2. Medical insurance. Units and individuals participating in basic medical insurance must participate in large medical insurance at the same time, and pay the basic medical insurance premium and large medical insurance premium on time and in full according to the regulations in order to enjoy the relevant treatment of medical insurance;

3. Work injury insurance. After a worker suffers from accidental injuries due to work or occupational diseases due to exposure to occupational hazards such as dust, radiation and toxic substances, the state and society shall provide necessary material assistance to the disabled and relatives of the deceased;

4. Unemployment insurance. A system enforced by the state through legislation, in which the society sets up a fund to provide material assistance to workers whose livelihood is temporarily interrupted by unemployment;

5. Maternity insurance. According to the physiological characteristics of childbearing behavior, according to the law, the material help provided by the state or society when working women temporarily suspend their work due to childbirth and lose their normal income source;

Two. The process for individuals to purchase social security is as follows:

1. Go to the individual payment window of the social security agency to collect and fill in the Social Insurance Individual Payment Declaration Form and the Contract for Entrusting Banks to Collect Social Insurance Fees;

2, with the official seal of the bank "commissioned by the bank to collect social insurance contract";

3. With the required insurance information, social insurance individual payment declaration form and entrusted bank social insurance premium collection contract, go through the insurance formalities at the individual payment window of the social security agency in the area where the household registration is located;

4. If you need to apply for a labor security card, you must come in person to apply for it, and provide a copy of your ID card and a digital photo receipt of the second-generation ID card network photo library approved by the municipal public security organ.

legal ground

Article 23 of the Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should 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.