Can I pay medical insurance separately if I don't go to work?

You can pay medical insurance separately if you don't go to work.

The way is as follows:

1, for cash payment, I or someone entrusted will go to the bank counter with the insured residents' medical insurance card, ID card and cash payable;

2. Self-service payment, with a bank savings card, through the bank self-service payment system. According to the prompt of the bank payment system, enter the resident medical insurance card number to complete the payment operation;

3. Entrusted withholding: sign an entrusted withholding agreement with the bank at the bank counter with the insured's household registration book or ID card and the client's ID card. In the future, the annual payment of residents' medical insurance will be withheld and remitted by the medical insurance center.

The impact of a one-month medical insurance cut-off is as follows:

1. If the insured fails to pay the medical insurance premium within the specified time, he will not be entitled to medical insurance benefits for employees from next month;

2. If the employer fails to pay or fails to pay the medical insurance premiums of employees, it shall pay interest and late fees within three months from the date of default, in addition to paying the unpaid fees. The medical expenses that should be paid by the overall fund during the deferred payment period can be supplemented, and the payment period of the insured person can be accumulated, and the corresponding amount will also be paid to the personal account;

3. The period when the insured interrupts medical insurance is not included in the actual payment period of medical insurance.

To sum up, the specific payment standards and methods are formulated and managed by the local social security department or medical insurance center. It should be noted that the cost of personal medical insurance is usually higher than that of the unit, and the reimbursement ratio of personal medical insurance may be different. It is recommended to understand the relevant policies and regulations before paying medical insurance.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 60

The employing unit shall declare itself and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.