What is the impact of paying one year less for children's medical insurance?

The impact of missing the delivery of children's medical insurance for one year is as follows:

During the one-year overdue period of children's medical insurance, if the insured children have insurance accidents, such as hospitalization expenses due to illness, then children's medical insurance cannot be reimbursed and they need to bear all medical expenses themselves;

Children's medical insurance is overdue for one year. If you buy again in the second year, there is still a waiting period, which generally does not exceed one month. Only after the waiting period, the insured child has an insurance accident, and the child's medical insurance can be reimbursed according to the agreement.

The effect of children's medical insurance interruption for one year and renewal is that they cannot enjoy medical insurance benefits for one year. If the payment of medical insurance is interrupted for no more than three months, it can be paid back and calculated continuously, and the medical insurance benefits will be stopped during the interruption of payment. If it is more than three months, it can't be returned, and it can only be renewed. Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds. When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation.

Details are as follows:

1, the number of years of hospitalization due to illness cannot be compensated: that is, 202 1 If you forget to pay, you will never be compensated for hospitalization due to illness;

2. The waiting period for the following year is 3-6 months: according to different local medical insurance policies, those who forget to pay the fee will pay the medical insurance fee for this year in 2022, but the hospitalization reimbursement will not be until April 1 or July 1 2022. This varies from place to place. Please consult the local medical insurance bureau for details.

It should be noted that although the disease will not affect it, the medical insurance for urban and rural residents belongs to one year. If you don't remember this year, you can pay it next year, but the waiting period for payment in many places is 3-6 months. Therefore, users are advised to consult the waiting period of the local social security bureau in time and pay the medical insurance in time after the medical insurance is paid off.

To sum up, children's medical insurance missed can choose to pay back, or choose to pay back next year. Continue to enjoy medical insurance benefits after payment; During the one-year overdue period of children's medical insurance, if the insured child has an insurance accident, then children's medical insurance cannot be reimbursed, and all medical expenses must be borne by themselves.

Legal basis:

Article 27 of People's Republic of China (PRC) Social Insurance Law

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.