What should I do if medical insurance is cut off for 8 years?

Generally speaking, if medical insurance needs to be supplemented after eight years, it can't be supplemented for eight years. According to the law, employees' medical insurance has been broken for more than 6 months. Units and individuals can't pay back. After going to another company, the medical insurance will be paid by the company for six months in a row, and the medical insurance will be restored in the seventh month. Therefore, under normal circumstances, the general unit can only make up for 2 months. Of course, different regions have different requirements. If it takes longer, it will be operated through some mechanisms.

The impact of medical insurance payment for more than 8 years: zero calculation, failure to enjoy lifelong medical insurance under one year of age, invalid medical insurance, reduced reimbursement amount, low premium, impact on maternity insurance payment and impact on housing qualification, as follows:

1, medical insurance has been suspended for more than 8 years, and the insured has been suspended for more than 8 years in the medical insurance year and does not pay medical insurance. Although the employee's medical insurance period will not be cleared, the relevant medical insurance benefits will also stop after the insurance is stopped. Although the payment period will not be cleared, it is a broken insurance and needs to be recalculated later.

The Social Insurance Law stipulates that the payment period of medical insurance for employees is 25 years, which varies from place to place. After reaching retirement age, you will no longer pay the basic medical insurance premium and enjoy the basic national treatment for life. 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.

2. Medical insurance broke off for more than 8 years, and after the waiting period, medical insurance came into effect again, but the reimbursement ratio was reduced;

3. Medical insurance has been broken off for more than 8 years, and the upper limit of reimbursement in some areas will be reduced within one year;

During the medical insurance period, the insured can't enjoy the medical insurance benefits, but if the personal account of the medical insurance card has money, it can still be used, but the money in the overall account can't be used to reimburse the medical expenses in the medical insurance;

4. The reimbursement rate of commercial medical insurance may be reduced, because many commercial medical insurances are linked to the insured's medical insurance in terms of premium and reimbursement rate. For example, some medical insurance can be reimbursed by medical insurance 100%, and those without medical insurance can only be reimbursed by about 60% to 80%;

5. It may not be cost-effective to buy commercial medical insurance, because some commercial medical insurance requires people with medical insurance to buy it, and the premium will be relatively cheaper;

6. Maternity reimbursement will also be affected. In some areas, maternity insurance and medical insurance are merged, and medical insurance payment is also maternity insurance payment.

7. If the unit pays social security in a unified way, paying medical insurance means that the whole social security has to be paid off, which will affect the qualification to buy a house.

Legal basis:

Article 6 of the policy on payment of medical insurance.

Employers and employees shall pay the basic medical insurance premiums for urban employees respectively according to the following standards.

(a) the employer shall pay 6.5% of the total wages of employees in the previous year.

(two) the wage income of employees for more than one year is the base of payment, and it is paid at 2%. The wage income of employees is lower than the average wage of employees in urban non-private units in the province last year (hereinafter referred to as the average wage in the province last year) by 60%, and the base of payment is 60%. If the average wage in the province last year is 300%, the base of payment is 300%.

The above-mentioned payment wage base is calculated according to the statistical caliber of the total wages of employees stipulated by the state.