Stop paying social security for one month, will medical insurance be cleared?

Stop paying social security for one month, and the medical insurance will not be cleared.

If the medical insurance payment is interrupted for 3 months, the continuous insurance period will be recalculated.

The number of years of continuous insurance coverage is related to the maximum payment limit of medical insurance, which is equivalent to the overdraft limit of bank credit cards.

According to the regulations, if the continuous insurance period is less than half a year, the maximum compensation limit is twice the average salary of employees on the job in the previous year; Half a year but less than 1 year, twice; 1 year 3 times, less than 2 years; Four times that of two years and less than three years; More than three years and less than six years is five times, and more than six years is six times; More than 6 years, the top is not capped.

The medical insurance zeroing is aimed at zeroing the insured's payment period rather than the individual account, and the amount transferred to the individual account will not be zeroed every month (the medical insurance account of flexible employees without personal accounts is originally zero).

If you stop participating in insurance due to work changes, you can go through the formalities of stopping insurance at the local tax department where you participate, and then renew your insurance when you participate.

For example, if you are employed in different places, you can go to agencies at all levels to handle the transfer of pension insurance relations. If the insured person stops paying but fails to go through the formalities of stopping insurance, there will be a reminder of his arrears on the system.

Second, will the social security break be cleared?

No, there is no such thing as zero liquidation. In fact, both endowment insurance and medical insurance are cumulative insurance. He won't be disqualified for not paying it once. Only for some special insurance, but his qualification will be re-established after you pay for a certain period of time.

Cutting off social security will affect the use of medical insurance.

If you don't pay social security once, you can't enjoy medical insurance, and you can't use medical insurance to reimburse medical expenses, which will greatly affect your medical stress and your medical expenses may be high. Therefore, we must pay social security in time, or remind employers to pay social security. If we ignore this detail, it will bring great trouble to our lives, so we must put an end to such incidents.

Social security interruptions will not be cleared, as follows:

1, before and after the interruption of payment, the cumulative payment period is calculated. The accumulated payment period before retirement is enough, which will not affect the social security benefits after retirement, but the interruption of payment period will affect the social security benefits;

2. Interrupting payment will have an impact, because employees' medical insurance will interrupt payment, and they will need to pay for 6 months continuously after re-enrollment to enjoy medical insurance reimbursement;

3. Maternity insurance is different from medical insurance and conforms to the national family planning policy. Those who participate in maternity insurance according to regulations and pay in full 1 year or more can enjoy maternity insurance benefits, and the payment period of maternity insurance must be calculated continuously.

The process of handling social insurance is as follows:

1. The enterprise needs to open a social security account with the Social Security Bureau within 30 days from the date of establishment, and will get a social security registration certificate after opening a social security account;

2. Every month, the company will add new employees to the company's social security account and delete employees who have left the company from the account. The social security account is an independent account, and the operation of adding or deleting employees must be carried out in the account;

3. The unit needs to declare the correct social security payment base for employees every month to ensure the normal payment of social security. The payment base of social security is based on the average salary of employees in the previous year or the salary in the first month of employment;

4 enterprises, banks, social security management agencies signed a bank remittance agreement, the monthly fixed time directly deducted from the enterprise bank account social security fees. Of course, enterprises can also choose to go to the Social Security Bureau to pay in cash or by cheque.

The types of social security are as follows:

1, old-age insurance, workers can get certain economic compensation, material help and services from the government and society after reaching the statutory retirement age;

2, medical insurance, according to the affordability of finance, enterprises and individuals to establish a social security system to protect the basic medical needs of employees;

3. Work injury insurance. If workers are accidentally injured due to work reasons or occupational diseases are caused by exposure to occupational hazards such as dust, radiation and toxic substances, the state and society will give necessary material assistance to work-related injuries, disabilities and relatives of the deceased during their lifetime;

4. Unemployment insurance, a system in which the society sets up a fund to provide material assistance to workers whose livelihood is temporarily interrupted by unemployment;

5. Maternity insurance refers to the material assistance provided by the state or society when working women temporarily suspend their work and lose their normal income due to childbirth. In a word, there is no difference in social security between agricultural registered permanent residence and non-agricultural registered permanent residence. Agricultural registered permanent residence residents who are employed in urban institutions can join the local endowment insurance. Resignation, one-time refund and termination. In terms of industrial injury insurance, it will not be restricted by agriculture and non-agricultural registered permanent residence, and agriculture and non-agriculture are equally guaranteed. Generally, you can handle endowment insurance, medical insurance, work injury insurance, unemployment insurance and maternity insurance.

legal ground

People's Republic of China (PRC) social insurance law

Nineteenth individuals across the overall regional employment, the basic old-age insurance relationship will be transferred, the cumulative payment period. When an individual reaches the statutory retirement age, the basic pension is calculated in stages and distributed uniformly. Specific measures shall be formulated by the State Council.

Article 27? 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.

Article 52? If an employee is employed across the overall planning area, his unemployment insurance relationship will be transferred with himself, and the payment period will be calculated cumulatively.

Third, social security will be cleared in a few months.

Social security is not cleared when it is interrupted for three months, but the continuous payment time of social security is cleared, while the accumulated payment time is not cleared. The social security amount paid before the interruption is still in the personal account of the social security payer. Although employees' social security is interrupted and will not be cleared, employees' medical insurance benefits, buying a house and a car, and their children's schooling will all be affected.

Consequences of medical insurance interruption and non-payment:

Newly insured employees (including those who have been re-insured for more than 1 year after interruption of payment) shall participate in the basic medical insurance according to law, and if the payment reaches 1 year (excluding the overdue period), they shall enjoy the basic medical insurance benefits in accordance with the regulations;

Over six months but less than one year, according to 50%;

If it is less than six months, it will not be paid.

If there is no intermittent payment, or if the intermittent payment does not exceed one year, the payment in the month of hospitalization will not affect the medical insurance reimbursement.

The endowment insurance in social insurance is cumulative, and it will not be cleared because it is stopped halfway. If there is payment after the interruption, the cumulative number of years of previous insurance and the amount of individual payment. Within one medical insurance payment year, the social insurance payment will be stopped for 3 months, and the medical insurance payment period will be cleared and recalculated. The balance of personal account will be activated and can be used again after paying medical insurance, so the amount of medical insurance paid by individuals will not be cleared.

Legal basis: Article 49 of the Labor Contract Law stipulates that the state shall take measures to establish and improve the inter-regional transfer and connection system of workers' social insurance relations.

During the formulation of the Labor Contract Law, some people suggested that, in practice, some employers did not pay the social insurance co-ordination part for their workers, and some did so because they took advantage of their ignorance of the relevant provisions of national laws and regulations to evade their responsibilities. Some workers have no enthusiasm to pay social insurance, and take the initiative to ask employers to pay their due social insurance premiums directly.