How long will individual medical insurance and endowment insurance fail if they are not paid?

Personal medical insurance will be invalid if it is not paid for 3 months, and endowment insurance will not be invalid. If the payment is suspended for no more than 3 months, it can be paid back and accumulated, but the medical insurance benefits cannot be enjoyed during the suspension period; If the payment is interrupted for more than 3 months, it will not be paid back, and it can only be paid again, and it is also calculated cumulatively.

Endowment insurance will not be cancelled. There is usually a late fee on New Year's Eve. The principal of RMB 65,438+00,000 is the overdue fine in 5 yuan. But some places don't charge late fees for individuals. For example, Jilin Province basically does not accept it. Medical insurance generally cannot be reimbursed without payment for more than 3 months.

Extended data:

(4) Payment of arrears

1. The collection department of the medical insurance institution shall establish arrears data information according to the arrears of medical insurance, fill in the Notice on Payment of Social Insurance Premium, and notify the insured unit to pay the arrears.

2. Due to financing difficulties, it is impossible to pay off the arrears of the insured unit in full in one lump sum, and the collection department of the medical insurance institution shall sign a social insurance payment agreement with it. In the case of merger, division, bankruptcy, etc. For defaulting units, overdue agreements shall be signed in the following ways.

(1) If the defaulting units are merged, a payment agreement shall be signed with the merging party.

(2) If the arrears unit is separated, it shall sign a payment agreement with each branch.

(3) If the defaulting unit enters bankruptcy proceedings, it shall sign a settlement agreement with the liquidation group.

(4) If the unit is sold or leased by auction, an overdue agreement shall be signed with the competent department.

3. The insured unit shall pay the social insurance premium according to the Notice of Payment of Social Insurance Premium or the payment agreement, and the collection department of the medical insurance institution shall accept the payment and notify the financial management department of the medical insurance institution to collect it.

4. The bankrupt unit can't pay off the arrears in full, and the collection department of the medical insurance institution accepts the application put forward by the bankruptcy liquidation group of the unit, and then sends it to the auditing and supervision department for handling.

5. The collection department of the medical insurance institution shall adjust the arrears information of the insured unit according to the overdue arrears information of the financial management department and the verification information of the audit supervision department.

References:

Medical Insurance _ Baidu Encyclopedia