Do I need to go in person to stop personal medical insurance?

Whether it is necessary to stop personal medical insurance depends on the specific situation, as follows:

1. If you buy in your own name, you need to stop the insurance yourself;

2. If it is purchased by the company, it is not necessary to stop the insurance in person, and the relevant personnel of the company can handle it on their behalf.

The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.

First, the medical insurance to stop the need to prepare information.

1. Individuals who apply to stop medical insurance need to go to the window of the local social security bureau with their ID card, household registration book and medical insurance card.

2. When an enterprise stops medical insurance, it only needs to enter the account name and password of the enterprise on the social security website, enter the item of personnel increase or decrease, click the item of personnel decrease to submit a business declaration, and then print the certificate of termination of the labor contract at the Labor Bureau and go to the Social Security Bureau for reduction.

Second, what do I need to bring to apply for a medical insurance card?

1. Unit handling: bring the employee's employment certificate, the employment contract signed by both parties (indicating the monthly salary) and the original ID card to the social security agency where the company is located.

2. Personal handling: Personal payment needs to be applied to the social security bureau where the household registration is located. Procedures include: my ID card, two recent bareheaded one-inch photos, insurance premium, application form, etc. And can only apply for pension and medical insurance.

In addition, there are different requirements for what materials you need to bring to apply for a medical insurance card. Therefore, it is recommended to consult the local social security bureau or the social security card handling agency before handling the medical insurance card.

Third, the method of personal social security suspension.

Bring your personal ID card and the original enrollment procedures, and go to the Social Security Bureau's handling hall to seal up your personal account for old-age insurance!

Four. Consequences and procedures of suspending social security:

The cumulative payment period must be more than 15 years, otherwise you can't enjoy pension benefits. Although the accumulated payment period exceeds 15 years, you can enjoy pension benefits, but the longer the payment period, the more the payment amount, and the more pensions in the future, and vice versa.

If social medical insurance cannot be added together, there will be a waiting period of six months after the interruption. Medical insurance has a three-month buffer period, which means that it can be paid in three months and can be calculated cumulatively. Otherwise, the payment period needs to be recalculated, and you can't enjoy the reimbursement treatment, instead of the so-called "void".

Five, go through the formalities of stopping medical insurance.

Workers only need to hold their ID card and social security card to the service hall of the social security bureau of the insured place to apply for suspension of individual endowment insurance and medical insurance self-payment, and then declare the original social security number to the unit. The social security staff of the unit will help you with the social security renewal procedures from the next month, which will not affect the accumulated payment period of employees.

Pension insurance must be paid at least 15 years, and you can enjoy pension for life until retirement. If you are a male, it is exactly 15 years from now to retirement, which can guarantee that you will receive a monthly pension after retirement. If you are a female (retired at the age of 50 or 55) and haven't paid 15 years by the time of retirement, you can apply for an extension of retirement to pay the unexpired years. After the formal retirement formalities, your monthly pension will not be affected. If you don't want to postpone retirement, you can also choose to pay in one lump sum.

Medical insurance men have to pay for 30 years and women have to pay for 25 years before they can enjoy medical insurance benefits after retirement (the payment period of medical insurance here includes two pieces, one is regarded as the payment period, which is related to the length of service, and the other is the actual payment period, that is, the actual payment period, which is generally at least 10 year. The actual payment period and the recognized payment period add up to 30 years for men and 25 years for women. If the minimum payment period is not reached at the time of retirement, the insured person can enjoy the basic medical insurance benefits for retirees after making up the basic medical insurance premium in poor months at one time based on the average monthly salary of employees in this city in the previous year.

Legal basis:

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

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should 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.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth, in line with the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards, as well as emergency and rescue medical expenses, in accordance with state regulations, paid from the basic medical insurance fund.