When will medical insurance take effect after payment?

The effective time of medical insurance payment depends on the interruption time and payment time of medical insurance.

Details are as follows:

1. If you are a new employee or a new insured, you need to pay the medical insurance fee within the specified time to enjoy the medical insurance benefits. Generally speaking, the interval between paying medical insurance fees and enjoying medical insurance benefits is about 1 month.

2. If you are an old insured person, but you have not paid the medical insurance fee within a certain period of time, you need to pay back to continue to enjoy the medical insurance benefits. Under normal circumstances, the effective time of medical insurance payment also needs to wait about 1 month.

The impact of medical insurance payment is as follows:

1. You can't enjoy the employee's medical insurance benefits from the next month after the payment is stopped, that is, you can't use the medical insurance card for reimbursement;

2, affecting the payment period, if the medical insurance payment is interrupted only within three months, then the continuous payment can be included in the continuous participation time;

3. The basic medical expenses and local supplementary medical expenses incurred in the treatment of serious illness can be reimbursed;

4. It will affect the payment quota of the basic medical insurance pooling fund, and the payment quota of medical insurance for one month will also be reduced.

To sum up, different regions and different medical insurance institutions may have different regulations on medical insurance payment. It is recommended to consult the local social security bureau or medical institutions for details. At the same time, when paying medical insurance fees, it is recommended to pay them in full and on time, so as not to affect their medical insurance benefits due to omission or default.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.