Can unemployed people pay their own medical insurance?

After unemployment, medical insurance should be paid by yourself, and after unemployment, medical insurance can be paid by flexible employees.

There are two ways to pay social security after unemployment: transfer social security to the place where the household registration is located and pay it in the name of an individual, but there are only two kinds of insurance: endowment insurance and medical insurance. Individuals choose different social security bases according to their own economic conditions. Generally speaking, this kind of insurance seems to be not cost-effective and has less protection. Or, looking for a human resources company with social security agency to pay social security, you only need to pay a certain service fee and a fixed monthly social security fee. This way of paying social security can get more protection.

The medical insurance for the unemployed can still be paid, and the laid-off workers who meet the insurance conditions are flexible employees. To apply for medical insurance, you need to bring your ID card to the local medical insurance account bank to open a special payment card for medical insurance. Two working days after the card is opened, I or the person who handles the card on my behalf will carry my ID card, household registration book and bank payment card, and go to the local medical insurance bureau to go through the medical insurance enrollment procedures on the date specified by the local social security bureau, and print the payment notice. The local medical insurance bureau will withhold and remit the medical insurance premium of laid-off workers through the bank that handles the medical insurance payment card. Flexible employees who have newly gone through the formalities of medical insurance participation should bring the special payment card for medical insurance before the 20th day of the month of participation, and go to the card-issuing bank to handle the merger payment formalities according to the requirements of the payment notice issued before. Laid-off workers who are insured for the first time should go to the local medical insurance bureau to receive their own medical insurance cards and medical manuals according to the prescribed time.

Description of medical insurance policy for laid-off workers:

1, population covered by medical insurance for urban and rural residents.

The coverage of urban and rural residents' medical insurance system includes all the insured persons of the existing urban residents' medical insurance and the new rural cooperative medical system, that is, all urban and rural residents except those who should be insured in the basic medical insurance for employees. Migrant workers and flexible employees shall participate in the basic medical insurance for employees according to law, and may participate in the medical insurance for urban and rural residents in accordance with local regulations if they have difficulties.

2. The proportion of individual contributions will increase.

In areas where there is a big gap between the existing medical insurance for urban residents and the individual payment standard of the new rural cooperative medical system, the difference payment method can be adopted, and it will take 2-3 years to gradually transition. The actual per capita financing and individual contributions after integration shall not be lower than the existing level. Gradually establish a mechanism linking individual payment standards with per capita disposable income of urban and rural residents. Reasonably divide the financing responsibilities of the government and individuals, and appropriately increase the proportion of individual contributions while raising the standard of government subsidies.

3. Proportion of medical insurance after hospitalization

The medical insurance fund for urban and rural residents is mainly used to pay the medical expenses incurred by the insured in hospitalization and outpatient service. Stabilize the level of hospitalization security, and maintain the proportion of hospitalization expenses within the policy range at around 75%. Further improve outpatient co-ordination and gradually improve the level of outpatient support. Gradually narrow the gap between the payment ratio within the scope of the policy and the actual payment ratio.

4. Medical insurance payment method

We will systematically promote the reform of composite payment methods that combine various payment methods, such as paying by head, paying by disease type, paying by bed day, and prepaying the total amount, establish and improve the negotiation mechanism and risk sharing mechanism between medical insurance agencies and medical institutions and drug suppliers, promote the formation of reasonable medical insurance payment standards, guide designated medical institutions to standardize service behavior, and control unreasonable growth of medical expenses. By supporting insured residents to carry out contract services with primary medical institutions and general practitioners, we will formulate differentiated payment policies, promote the construction of graded diagnosis and treatment system, and gradually form a new medical order of first diagnosis, two-way referral, rapid and slow division, and linkage up and down.

5. When will it be implemented?

All provinces (autonomous regions and municipalities) should make plans and arrangements for the integration of medical insurance for urban and rural residents before the end of June 2065438+2007, define the timetable and road map, and ensure that all policies and measures are put in place. All overall planning areas should issue specific implementation plans before the end of 20 17 and 12.

After medical insurance payment, the injured can get high reimbursement as long as they go to a specific medical institution for medical treatment. Both employees at work and unemployed people can pay medical insurance. The difference is that for the unemployed, it is impossible to make up for missing the payment time of medical insurance.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 4 of People's Republic of China (PRC) Social Insurance Law.

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.