Shanghai medical insurance card cannot be used for several months.

Employees who stop paying Shanghai medical insurance for one month will suspend their medical insurance benefits and enter the sealed state of medical insurance accounts, but the balance of funds in the accounts can still be used until the balance is used up and they cannot enjoy other medical insurance benefits. It should be noted that there is a three-month buffer period from the date when medical insurance stops. If this period is exceeded, there will be a waiting period of half a year for re-application, but the management in different places is not exactly the same.

Payment of medical insurance benefits shall be suspended, and medical insurance benefits shall be suspended from the month following the date of suspension of payment. To put it simply, it is not to stop using it immediately, but to stop enjoying medical insurance benefits from next month. But it doesn't mean that the medical insurance card can't be used. Although the medical insurance has been suspended, the money in the personal account of the medical insurance card can still be used, which can only be used to buy medicine and see a doctor at the outpatient clinic. If you are hospitalized, you can't enjoy medical insurance reimbursement, and you have to pay for it at your own expense.

Unlike endowment insurance, medical insurance can calculate the cumulative payment time. Even if it is interrupted, it will not have a great impact on the collection of endowment insurance, but medical insurance is different.

Because of the job transfer, the medical insurance file is broken, and the medical insurance account is in a state of suspension, so you can't enjoy the relevant medical insurance benefits. If you are hospitalized during this period, you must bear your own expenses. Of course, the balance in his personal account will not be emptied, and the system will also record the individual's payment period. When renewing the insurance again, the system will automatically merge the previous payment years.

According to the relevant regulations, the personal account of the insured person shall be kept during the interruption of work for some reason; After returning to work, calculate the accumulated amount of personal account and calculate the interest continuously. It should be noted that medical insurance benefits will be suspended from the next month after the payment is interrupted, and medical insurance benefits will be enjoyed from the next month after the normal payment procedures are handled; Continuous interruption of payment for 3 months (inclusive) shall be deemed as interruption of insurance. After the interruption of insurance, you can apply for insurance procedures and pay for 6 months in a row before you can enjoy medical insurance benefits.

Flexible employees who have interrupted payment for less than 3 months can pay back medical insurance premiums, and pay a late fee of 2‰ on a daily basis from the month of default, and enjoy medical insurance benefits from the month of payment; If the payment is interrupted for more than 3 months, it will be deemed as automatic surrender, and the medical expenses incurred during the period will be borne by the individual.

Legal basis:

Article 23 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic medical insurance for employees, and the employer and employees shall jointly pay the basic medical insurance premium according to the provisions of the state. 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.

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.

Article 25 The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.