What is the impact of interrupting medical insurance for three months in 2023?

Social security withholding will affect the treatment enjoyment of the insured, and the effect of social security withholding policy in different regions is different. The following are some common consequences: 1. During the period of medical insurance withholding, you can't enjoy medical insurance benefits. It takes 3-6 months to enjoy medical insurance benefits after renewal. 2. The old-age insurance will be paid off, which has little impact, because you can enjoy the pension benefits after retirement after you have been insured for 15 years, and there is no continuity problem; 3. If maternity insurance is paid off, you can't enjoy maternity insurance benefits; 4. The settlement of all localities and the enrollment of points have requirements for social security, and the payment will be affected.

The term of medical insurance will not expire. During the medical insurance year (from July of that year 1 day to June 30th of the following year), the insured person can continue to pay medical insurance, and the continuous participation time before and after the interruption is combined (continuous payment). If it exceeds 3 months, you can only re-insure.

According to the relevant regulations, the personal account of the insured person shall be kept during the interruption of work for some reason; After returning to work, calculate the accumulated amount of personal account and calculate the interest continuously.

Flexible employees who have interrupted payment for less than 3 months can pay back medical insurance premiums, and pay a late fee of 2‰ on a daily basis from the month of default, and enjoy medical insurance benefits from the month of payment; If the payment is interrupted for more than 3 months, it will be deemed as automatic surrender, and the medical expenses incurred during the period will be borne by the individual.

When you retire from medical insurance, you must accumulate a certain payment period (including deemed payment period), which is generally 20 -30 years, and the actual payment period must reach 5 years (or 10 years), so that you can enjoy medical insurance benefits for life free after retirement. When retiring, the accumulated payment period is lower than the specified requirements, and the payment period of the poor medical insurance can be paid according to the current rate standard.

When workers join a new employer, in order to protect their respective rights and interests, both parties should not only sign a labor contract, but also the employer should pay social insurance for the workers. If workers leave their jobs later, it will also lead to the failure of social security payment. When the payment of social security stops, the parties concerned should also renew the insurance in time to avoid the failure of social security.

Medical insurance can be supplemented like this:

1. The parties shall refer to the employee medical insurance in social security, and should bring their valid ID card, household registration book, social security card and other supporting materials (such as labor contract, etc.) on the premise that the local government has corresponding supplementary policies. ) specific policy requirements at the time of payment;

2. Under the premise that the parties refer to the medical insurance for urban (rural) residents, if they pay the fee in one lump sum and enjoy the corresponding treatment during the insured period, they cannot be refunded. The process of supplementary medical insurance:

(1) medical insurance arrears shall be paid according to the amount approved by the social insurance fee collection agency;

(2) the unit pays or supplements within the prescribed time limit;

(3) if the unit is really unable to repay, it can sign a holdover agreement with the social insurance fee collection agency by providing guarantee according to law.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 27 of People's Republic of China (PRC) Social Insurance Law

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.