The medical insurance in social security has been broken for 3 months. Will it be cancelled and the actual payment period will be cleared?

The medical insurance in social security will not be cancelled after a three-month break. The actual payment period will be cleared. The longest term of deferred payment agreement shall not exceed 1 year.

It is not uncommon for medical insurance to be cut off. After the interruption of medical insurance, the payment can be continued, but it must be based on the average salary of local employees in the previous year at the time of payment, and all the arrears during the interruption will be made up.

Medical insurance payment is interrupted (including failure to pay in full and on time), medical insurance is suspended and credited to the personal accounts of employees of this unit, and the accounts are frozen. The medical expenses incurred during the suspension of insurance shall not be reimbursed, and the self-raised funds of the unit shall be reimbursed according to the medical insurance policy.

Medical insurance has the basic characteristics of social insurance, such as compulsion, mutual assistance and sociality. Medical insurance, like other types of insurance, also collects medical insurance premiums from people threatened by diseases in advance through contracts.

Extended data:

The process of supplementary medical insurance:

1. The collection department of the medical insurance institution shall establish arrears data information according to the arrears of medical insurance, fill in the Notice on Payment of Social Insurance Premium, and notify the insured unit to pay the arrears.

2、? Due to financing difficulties, it is impossible to pay off the arrears of the insured unit in full at one time, and the collection department of the medical insurance institution shall sign a social insurance payment agreement with it. In the case of merger, division, bankruptcy, etc. For defaulting units, overdue agreements shall be signed in the following ways.

Where the arrears unit is merged, a payment agreement shall be signed with the merging party.

If the arrears unit is separated, it shall sign a payment agreement with each branch.

Where a defaulting unit enters bankruptcy proceedings, it shall sign a settlement agreement with the liquidation group.

If the unit sells or rents by auction, it shall sign a payment agreement with the competent department.

3, the insured unit according to the social insurance fee payment notice "or payment agreement to pay, the collection department of medical insurance institutions shall accept, and notify the financial management department of medical insurance institutions to collect.

4. If the bankrupt unit can't pay off the arrears in full, the collection department of the medical insurance institution accepts the application made by the bankruptcy liquidation group of the unit and sends it to the auditing and supervision department for handling.

5. The collection department of medical insurance institutions shall adjust the arrears information of the insured units according to the source information of employee medical insurance payment arrears of the financial management department and the verification information of the audit and supervision department.

China government network-social insurance fee declaration and payment management regulations