How long will medical insurance take effect?

The following month when the basic medical insurance is insured, and the local tax authorities confirm that the insured has paid the basic medical insurance premium, it will take effect on 1 day of that month. It should be reminded that before the basic medical insurance comes into effect, the medical insurance of the insured personnel is the responsibility of the unit.

If the original unit goes through the formalities for the decline of basic medical insurance benefits in the next month and goes through the formalities for renewal, the basic medical insurance benefits will not be interrupted, and the basic medical insurance premium will be paid to the local tax department from the month of renewal; If payment is interrupted, the basic medical insurance benefits will take effect on the month 1 day when the local tax department collects the basic medical insurance premium of the insured.

Due to the delay in registration and premium collection, etc. If the insured fails to pay the medical expenses by credit card when seeking medical treatment, he shall show the payment receipt certificate signed and sealed by the local tax department; Due to the delay in making social security (medical insurance IC) card, the medical expenses incurred after the treatment takes effect shall be settled in the corresponding social insurance agency according to the medical insurance regulations with the payment receipt voucher of the local tax department and the personal payment voucher, and shall be signed and sealed by the business card printing department of the social security agency.

Effective time of commercial medical insurance

The validity period of commercial medical insurance is generally 30 days-180 days, and some are 1 year.

1. General hospitalization medical insurance: the effective time is 30 days to 90 days;

2. Some long-term critical illness insurance: the effective time may reach 90 days, 180 days or even 1 year.

Provisions on determining the effective time of basic medical insurance benefits

(a) the first time to participate in the basic medical insurance personnel

1, the personnel who participate in the basic medical insurance for the first time will pay the insured's basic medical insurance premium to the local tax department from the next month after going through the insurance formalities, and the basic medical insurance benefits will start from the month when the local tax department collects the medical insurance premium 1, and enjoy the medical insurance benefits according to the relevant provisions of the basic medical insurance.

2. The employer shall be responsible for the medical expenses incurred by the insured from the date of employment by the employer to the effective date of the basic medical insurance payment. The employer shall be responsible for the medical expenses incurred by the insured before the supplementary payment takes effect.

3. If the employer fails to pay the basic medical insurance premium according to the regulations, the social insurance agency will suspend the on-the-job insured of the unit from the next month to enjoy the treatment of medical expenses paid by the social pooling medical fund, and the medical expenses paid by the social pooling medical fund during the suspension period will be borne by the employer.

(two) the continuation of the basic medical insurance relationship.

If the insured person is hired by a new employer, and goes through the renewal procedures within the next month after going through the downsizing procedures with the employer, or continues the basic medical insurance relationship in his personal capacity within the next month, and pays the basic medical insurance premium from the month of renewal to the local tax authorities at the same time, the basic medical insurance benefits will not be interrupted; If payment is interrupted, the basic medical insurance benefits will take effect on the month 1 day when the local tax department collects the basic medical insurance premium of the insured.

(three) special circumstances after the basic medical insurance benefits take effect.

Due to the delay in registration and premium collection, etc. If the insured fails to pay the medical expenses by credit card when seeking medical treatment, he shall show the payment receipt certificate signed and sealed by the local tax department; Due to the delay in making social security (medical insurance IC) card, the medical expenses incurred after the treatment takes effect shall be settled in the corresponding social insurance agency according to the medical insurance regulations with the payment receipt voucher of the local tax department and the personal payment voucher, and shall be signed and sealed by the business card printing department of the social security agency.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 4 Employers and individuals in People's Republic of China (PRC) shall pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.