Insurance can't be unpaid for more than a few months.

Legal analysis: if it is social security, it will be broken if it is not paid in three months. After the interruption, you can apply for insurance and pay for it for six months in a row before you can enjoy medical insurance benefits. If it is paid within three months, it will enjoy medical insurance benefits from the next month. For the old-age insurance, the severance of social security does not have much impact, because it is a cumulative calculation of the payment period, and it can continue in the future. However, for medical insurance, if it is calculated continuously, it will be invalid if it is not paid for more than 60 days, and the number of years can only be recalculated in the future. The consequences of cutting off social security are: 1. The pension amount is affected, and the pension insurance must be paid for 15 years, and you can enjoy a lifelong pension after retirement. Although stopping payment for one month will not affect the accumulation of payment years at retirement, if social security is often interrupted, it is likely that the accumulated payment years will not reach the prescribed standard at retirement, which will affect the collection of retirement pension. 2. It affects medical insurance. From the second month of social security payment, medical insurance can not reimburse medical expenses. If the payment of medical insurance has been suspended for more than 3 months, you need to pay it again for a certain period of time before you can enjoy medical insurance benefits. 3. Maternity insurance cannot be reimbursed. Maternity insurance reimbursement requires continuous payment for 9 months or cumulative payment 12 months, and it is still paid in the month of childbirth. If the maternity insurance is paid off, it may lead to the inability to reimburse the expenses incurred in childbirth when there is a demand for childbirth.

Legal basis: Article 16 of the Social Insurance Law of People's Republic of China (PRC). Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.