What is the reason for the suspension of medical insurance

The reasons for the suspension of health insurance are as follows:

1. Late payment of social security contributions: If a participant fails to pay the full amount of social security contributions on time within the specified contribution period, then the health insurance participation will be suspended. In this case, health insurance enrollment can only be resumed if payment continues after the contribution period has expired.

2. Lost Social Security: When a participant's social security card is lost, the health insurance card will also be suspended until the replacement of the card is completed.

3, medical insurance card is canceled: if the medical insurance card is canceled for various reasons, then the participant's medical insurance participation status will be suspended. At this point, you need to follow the process of re-enrollment after the card is re-issued in order to resume the use of health insurance.

4, health insurance fraud and other violations: in the investigation and evidence collection stage, if found to have social insurance fraud and other violations, then the participant's health insurance may be suspended.

5, voluntary suspension of participation: this refers mainly to the voluntary suspension of the enterprise contributions, may be due to the employees do not want to pay, resulting in a small number of enterprises are forced to voluntarily suspend participation.

6, health insurance payment breaks more than 3 months: If the health insurance payment breaks more than 3 months, even if you immediately make up the cost, the health insurance account will be frozen for a period of time until it is reactivated.

The benefits of paying medical insurance are as follows:

1. It is conducive to improving labor productivity and promoting the development of production. Medical insurance is the inevitable result of social progress and production development. In turn, the establishment and improvement of the medical insurance system will further promote social progress and the development of production. On the one hand, medical insurance relieves workers of their worries and enables them to work with peace of mind, thus increasing labor productivity and promoting the development of production: on the other hand, it also ensures the physical and mental health of workers and ensures normal reproduction of the labor force;

2. It regulates the difference in income and embodies the fairness of society. Medical insurance is used to regulate income differences through the collection of medical insurance premiums and reimbursement of medical insurance service fees, which is an important means of income redistribution by the government;

3. It is an important guarantee to promote the reform of the economic system, especially the reform of state-owned enterprises.

In summary, after the suspension of health insurance, participants may be affected in terms of reimbursement of medical expenses and enjoyment of health insurance benefits.

Legal basis:

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

Article 23

Employees shall participate in the basic medical insurance for employees, and shall pay the basic medical insurance premiums by the employing unit and the employees in accordance with the state regulations***. Individual industrial and commercial households without employees, part-time employees who do not participate in the basic medical insurance for employees at the employing organization, and other flexibly employed persons may participate in the basic medical insurance for employees, and individuals shall pay the basic medical insurance premiums in accordance with the state regulations.