Can medical insurance be a one-time replacement

Only for retired workers, medical insurance can be made up in a lump sum. Retirement cumulative payment of basic medical insurance premiums for less than the number of years, according to the retirement of the previous year's average monthly salary of employees in the city of 7%, in cash, a one-time make up for the shortfall in the number of years. Article 8 of the Rules for the Implementation of the Social Insurance Law of the People's Republic of China stipulates that medical expenses incurred by insured persons at the agreed medical institutions shall be paid out of the basic medical insurance fund in accordance with the national regulations if they are in line with the basic medical insurance drug catalog, diagnostic and therapeutic items, and the standards of medical service facilities. If the insured person needs emergency treatment or rescue, he/she can seek medical treatment in non-agreement medical institutions; the scope of medicines that must be used for rescue can be appropriately relaxed. The specific management methods of medical services for emergency treatment and rescue of insured persons shall be formulated by the co-ordinating region according to the actual situation of the locality.

If you have a basic health insurance policy, you can apply for a one-time replacement if you break the contract. However, if you have reached the legal retirement age, the accumulated contribution period of basic medical insurance has not yet reached the local policy requirements, you can not apply for a one-time retroactive payment, you can only continue to pay, and has been paid until the local provisions of the accumulated contribution period of basic medical insurance, you can enjoy lifelong medical insurance treatment.

If it is a commercial medical insurance, then you can choose to pay the premiums wholesale, but if the coverage is cut off in the middle of the coverage, then the coverage will be invalidated, and if you still want the coverage, you can only re-insure.

Medicare can be repaid as follows:

1, on the premise that the person in question is an employee in the social security medical insurance, and there is a corresponding local policy of reparation, the reparation should be made by bringing along with me a valid ID card, hukou, the social security card, as well as other proof of information required by the specific policy to be brought along (such as: labor contracts, etc.);

2, on the premise that the person in question is an urban (rural) resident in the medical insurance, the person in question is an urban (rural) resident in the medical insurance. Rural) residents of the premise of medical insurance, the item is a household as a unit, in the years of participation in a one-time payment and enjoy the corresponding treatment, can not make up the payment. The process of making up for the payment of medical insurance:

(1) The arrears of medical insurance shall be paid in accordance with the amount approved by the social insurance premium collection agency;

(2) The unit shall pay or make up for the payment within the stipulated deadline;

(3) If the unit is really unable to make up for the payment, then it can sign an agreement on the postponement of the payment of the premium with the social insurance premium collection agency by providing guarantee according to the law and other means.

We hope that the government will continue to provide the necessary support to the organization.

I hope the above can help you, if you have other questions please consult a professional lawyer.

Legal basis:

"Interim Measures for the Technical Identification of Medical Accidents" Article 36 of the expert appraisal team shall comprehensively analyze the role of medical negligence in leading to the consequences of the damage caused by medical accidents, the patient's pre-existing disease conditions and other factors, to determine the degree of responsibility for medical negligence. The degree of responsibility of medical negligence in medical malpractice is divided into: (1) full responsibility, meaning that the consequences of medical malpractice damage caused by medical negligence. (ii) Primary responsibility, meaning that the damage consequences of medical malpractice are mainly caused by medical negligent behavior, and other factors play a secondary role. (iii) Secondary liability, meaning that the damage consequences of medical malpractice are mainly caused by other factors, and medical negligent behavior plays a secondary role. (D) slight liability, refers to the consequences of medical malpractice damage caused in large part by other factors, medical negligence plays a minor role.