What to do if you forget to pay your annual health insurance premiums

Missed contributions for health insurance can be made up. If a participant pays for his health insurance through an organization, he can ask the company to make up for the missed payment or appoint an agent to handle the payment for him. If a participant pays for his or her own health insurance, he or she can bring his or her valid ID and social security card to the local social security office to make the replacement payment.

I. What to do if you are late in paying your health insurance premiums

You should pay back your premiums as soon as possible if they are overdue.

According to the basic requirements for the payment of basic medical insurance benefits in China, participants to the medical insurance organization to reimburse themselves for medical expenses incurred to see a doctor, generally subject to the following conditions:

1, participants must go to the basic medical insurance of the designated medical institutions for medical purchase of medicines, or with the designated hospital doctor issued medicine prescription to the designated retail pharmacy identified by the social insurance agency The medical expenses incurred by the insured in the process of seeking medical treatment must be in accordance with the scope and payment standards of the basic medical insurance drug catalog, diagnostic and therapeutic items, and standards of medical service facilities, in order to be paid by the basic medical insurance fund in accordance with the regulations;

3. Among the medical expenses that are in accordance with the scope of the payment of the basic medical insurance, the medical expenses that are above the starting standard of the basic medical insurance fund and above the maximum payment standard of the social insurance organization are the same as those that are paid by the basic medical insurance fund. The portion of medical expenses that are above the starting standard and below the maximum payment limit of the integrated fund shall be paid by the integrated social medical insurance fund in a uniform proportion.

Legal basis

The People's Republic of China Social Insurance Law

Article 23

Employees shall participate in basic medical insurance for employees, and the employer and the employee shall contribute to the basic medical insurance premiums in accordance with the state regulations***.

Individual industrial and commercial households without employees, part-time employees who do not participate in the basic medical insurance for employees at their employing units, and other flexibly employed persons may participate in the basic medical insurance for employees, with individuals paying the basic medical insurance premiums in accordance with the state regulations.

Article 74

Social insurance agencies obtain the data necessary for the work of social insurance through business operations, statistics and surveys, and the units and individuals concerned shall provide them in a timely and truthful manner.

Social insurance agencies shall establish files for employers in a timely manner, record social insurance data such as the number of persons participating in social insurance and the amount of contributions made in a complete and accurate manner, and properly keep the original vouchers for registration and declaration and the accounting vouchers for payment and settlement.

Social insurance agencies shall record in a timely, complete and accurate manner the contributions made by individuals participating in social insurance and by employers on their behalf, as well as records of their individual rights and interests, such as the enjoyment of social insurance benefits, and shall regularly send the record sheets of individual rights and interests to the individuals free of charge.

Employers and individuals may inquire and check their records of contributions and social insurance benefits with the social insurance administration organizations free of charge, and request the social insurance administration organizations to provide social insurance consultation and other related services.

Article 4

Employing units and individuals within the territory of the People's Republic of China shall pay social insurance premiums in accordance with the law, and shall have the right to inquire into the records of their contributions and individual rights and interests, and to request the social insurance administrative organizations to provide them with social insurance counseling and other related services.