How to stop employee medical insurance?

The process of stopping employee medical insurance is as follows:

1. Individuals who 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 applies for stopping medical insurance, it must first declare, then go to the Labor Bureau to print the certificate of termination of the labor contract, and then go to the Social Security Bureau to reduce staff.

Medical insurance coverage:

1, reimbursement of basic medical insurance drugs: our country now divides drugs into three categories: A, B and C, of which A drugs are within the scope of medical insurance, so medical insurance can only reimburse A drugs, and B and C drugs cannot be reimbursed;

2. Reimbursement of basic medical service facilities: this reimbursement scope mainly refers to bed fees, first-aid bed fees, medical treatment fees, etc. Expenses incurred by the insured in the process of medical treatment and nursing in designated medical insurance institutions;

3. Reimbursement of basic medical insurance diagnosis and treatment items: it must be a safe and effective diagnosis and treatment item, and the charging standard shall be determined by the price department. Need to be treated in a designated medical institution.

Influence of medical insurance withholding;

1, affecting the enjoyment of medical insurance benefits. After the medical insurance is paid off, you can't enjoy medical insurance reimbursement when you go to the hospital. In addition, if the employer fails to pay the social insurance premium in full and on time, the social insurance premium collection agency shall order it to pay it within a time limit or make up for it, and from the date of default, an overdue fine of 0.5% shall be charged on a daily basis (specifically subject to the provisions of the municipal medical insurance bureaus);

2, affect the enjoyment of maternity treatment. Female employees who fail to pay maternity insurance 1 month before production or fail to pay maternity insurance during production cannot enjoy the maternity insurance benefits of that month;

3. Affect retirement benefits. Long-term interruption of payment, retirement accumulated payment period is insufficient, after the prescribed payment period, you can enjoy basic medical insurance benefits according to regulations.

To sum up, the basic medical insurance is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance agency will give certain economic compensation to avoid or reduce the economic risks caused by illness and treatment.

Legal basis:

Article 29 of People's Republic of China (PRC) Social Insurance Law

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.