Can employees still use medical insurance when their social security is broken?

Employee social security is broken, and medical insurance can still be used.

Details are as follows:

1, the medical insurance is paid off, and the medical insurance benefits are suspended from the next month after the termination date. To put it simply, it is not to stop using it immediately, but to stop enjoying medical insurance benefits from next month. But it does not mean that the medical insurance card cannot be used;

Although the medical insurance is 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 in the 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.

The impact of social security withholding is as follows:

1, it doesn't matter if the old-age insurance is broken, but you must pay 15 years to enjoy retirement, so you should pay more and try not to break it;

2, medical insurance is different, unless you pay for 20 or 25 years in the year of retirement, you can enjoy medical insurance benefits for life. When you are not retired, breaking off means that you no longer enjoy medical insurance benefits. If the breakup is within 60 days, you can continue to enjoy the treatment in the next month; If it is more than 60 days and less than 180 days, you can enjoy medical insurance benefits three months after the payment is received. If it exceeds 180 days, it will also take 6 months;

3. Maternity insurance must be paid continuously for more than 1 year in order to enjoy the benefits, and the benefits cannot be broken for one day. If it is broken, it will take more than one year to enjoy the benefits brought by maternity insurance. Moreover, compared with the other four risks, maternity insurance is the most cost-effective, because it is a free welfare provided by the state to women, and only women who are expecting to give birth can enjoy it. If you miss it, you'll have to wait for the second child.

4, unemployment insurance is after unemployment, and has been registered for unemployment, and there are job requirements, not to say that I am willing to be unemployed, the most important thing is that I have to pay for one year in a row before I can get it;

Work injury insurance is a kind of treatment that you can't enjoy without working period, that is, if you are not insured. But if it is because the enterprise or unit has not paid you wages, you can ask the enterprise or unit to compensate for the corresponding work-related injury compensation.

To sum up, social security and medical insurance policies and regulations may be different in different regions, and the specific situation needs to be determined according to relevant local regulations.

Legal basis:

Article 16 of People's Republic of China (PRC) Social Insurance Law

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.