What should I do if I forget to pay the medical insurance when it expires?

What should I do if my medical insurance is overdue and I forget to pay it?

Medical insurance flexible employees who miss the payment time can pay back in the next payment cycle, and cannot pay back after stopping payment for more than 3 months;

Residents who miss the medical insurance payment time can only pay according to the next payment time, and some areas can extend the payment time;

After payment, you can enjoy medical insurance benefits in the next medical insurance year, and you will not be able to enjoy the benefits if you fail to pay within the time limit;

After the medical insurance is broken, the average salary of employees in the previous year is the base of payment, and they cannot enjoy the treatment of pooling funds during the payment period;

Stop enjoying medical insurance benefits and pay back within 60 days, and enjoy the benefits paid by the overall fund from the next month of payment;

Stop enjoying medical insurance benefits for more than 60 days and pay back within 180 days, and enjoy the benefits paid by the overall fund after 3 months;

Stop enjoying medical insurance benefits for more than 180 days, and enjoy the benefits paid by the overall fund after 6 months;

Those who fail to repay after the interruption are deemed to be re-insured, and the payment time before the interruption is not included in the continuous payment time.

Relevant legal basis: Article 86 of People's Republic of China (PRC) Social Insurance Law.

1. The handling personnel of the overdue entry unit bring the information to the collection window to go through the formalities for overdue entry of medical insurance. 2 agencies to pay the employer to pay the social insurance agency form. 3. The employer's payment invoice shall be signed and sealed, and the social security handling personnel shall sign and seal in the opinion column of the social security department. 4. Determine the payment period. With the stamped documents and related materials, the employer goes to the medical insurance department to re-identify medical insurance as the payment period.

The time for missing payment of personal medical insurance is divided into the following situations:

1. If it is employee medical insurance and flexible employment, miss the current payment time and wait until the next payment cycle is opened, you can pay it back. If the payment is suspended for more than 3 months, it cannot be paid back, and it can only be recorded according to the next payment time;

2. If it is residents' medical insurance and missed the current payment time, it can only be paid according to the next payment time. However, some areas will extend the payment time appropriately, so you need to confirm with the local social security hall whether you can extend the payment.

The insured person shall enjoy the corresponding medical insurance benefits in the next medical insurance year after paying the fee. After the payment period is over, all urban and rural residents, except eligible newborns, should pay the insurance premium within the specified time, and cannot pay it back after the expiration. Residents' medical insurance is implemented in advance, and residents' medical insurance needs to pay an annual fee. If they don't pay, they won't enjoy the treatment.

Payment process after medical insurance is broken:

1. If the insured fails to pay the medical insurance premium in full and on time as required, they will stop enjoying the medical insurance benefits from the month when they have never paid it in full and on time. If the payment is continued after the interruption, it must be based on the average salary of local employees in the previous year to make up all the arrears during the interruption;

2. The overdue time is included in the continuous payment time, but you can't enjoy the payment treatment of the overall fund during the overdue period;

3, the insured to suspend the enjoyment of medical insurance benefits within 60 days (including 60 days), continue to pay medical insurance premiums, from the next month to enjoy the benefits of the overall fund to pay;

4. Medical insurance benefits are suspended for more than 60 days to 180 days, including 180 days. If medical insurance is paid back, it will be counted from the month of payment, and after 3 months, it will enjoy the benefits paid by the overall fund;

5. If the medical insurance benefits are suspended for more than 180 days and the medical insurance premiums are paid, the benefits paid by the overall fund can only be enjoyed after 6 months from the payment month;

6. If the payment is not made after the interruption, it shall be deemed as re-participation in medical insurance, and the payment time before the interruption shall not be included in the continuous payment time.

Legal basis:

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

Chapter III Basic Medical Insurance

Article 24 The state establishes and improves the new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.