How long does it take for the insurance to take effect and be reimbursed

How long does it take for medical insurance to take effect and be reimbursed is as follows:

1. Social security insurance takes effect the month after enrollment and can be reimbursed for the cost of seeing a doctor; however, if payment is cut off for more than 3 months, reimbursement cannot be continued;

2. The New Rural Cooperative (NRC) is purchased in September-November each year, and takes effect on January 1st of the following year;

3. Commercial medical insurance comes into effect after a hesitant period of time that may be as long as 10 days, 30 days, 60 days, etc.;

4. Medical expenses need to be in line with the basic medical insurance drug catalog, diagnostic and therapeutic items, and medical service facility standards in order to be paid from the basic medical insurance fund.

Eligibility for medical insurance:

1. Eligibility conditions for participants;

2. Procedures for registration;

3. Conditions for change and termination of participants;

4. Audit process of eligibility for participation.

The eligibility for health insurance involves whether a participant meets the basic conditions for joining health insurance, including age, occupation, place of residence and other factors. The enrollment registration process, on the other hand, refers to how a participant registers for health insurance, including the materials required to be submitted and the specific steps for registration. The change and termination conditions are concerned with the circumstances under which a participant can change his/her health insurance information or terminate his/her health insurance relationship. Finally, the audit process refers to how the health insurance organization audits a participant's eligibility to ensure that he or she meets the requirements for enrollment.

To summarize, social security can be reimbursed the following month, but not if the payment is broken for more than 3 months; the new rural cooperative will be effective at the beginning of the next year after purchase at the end of each year; commercial medical insurance will be effective after the hesitation period, which varies; and the medical expenses must be in line with the insurance drug catalog and diagnostic and therapeutic standards before they can be paid for by the basic medical insurance fund.

Legal basis:

"Regulations on Basic Medical Insurance for Urban Employees of the People's Republic of China"

Article 12

Basic medical insurance premiums are levied on a monthly basis, and employers and employees shall pay the basic medical insurance premiums to the levying authority within the prescribed period. The portion to be paid by the individual practitioner shall be withheld by the employing unit from his or her wages. Basic medical insurance premiums shall not be reduced or waived.

The Social Insurance Law of the People's Republic of China

Article 29

The portion of a participant's medical expenses that should be paid out of the basic medical insurance fund shall be settled directly by the social insurance administration organization with the medical institutions and drug business units. The administrative departments of social insurance and the administrative departments of health shall establish a settlement system for medical expenses incurred for medical treatment in other places, so as to facilitate the enjoyment of basic medical insurance by insured persons.

Article 30

The following medical expenses shall not be included in the scope of payment by the basic medical insurance fund: (1) those that should be paid from the workers' compensation insurance fund; (2) those that should be borne by a third person; (3) those that should be borne by the public ****health; and (4) those that seek medical treatment outside China. If the medical expenses should be borne by a third person in accordance with the law, and the third person does not pay or the third person cannot be identified, the basic medical insurance fund shall pay in advance. After the basic medical insurance fund pays first, it has the right to recover from the third party.