What will be the impact of Guangzhou medical insurance breaking off for 3 months? Will it affect the term of follow-up insurance?

It is often heard that "the balance of the social security medical insurance card paid for three months is cleared", which is incorrect.

However, it should be noted that in Guangzhou, medical insurance payment has been cut off for more than one month, and you can't enjoy relevant subsidies and reimbursement when you go to the hospital. However, if there is still a balance in the medical insurance card, you can still swipe your card to see a doctor and buy medicine.

Local policies generally stipulate that if you apply for renewal of insurance within 3 months after the payment deadline, it will be regarded as continuous insurance, and you can enjoy medical insurance reimbursement in the next month.

If you stop paying for more than 3 months and renew your insurance, it will be regarded as re-insurance, and there will be a waiting period of 3-6 months (different policies in different places), during which you will not be able to enjoy medical insurance reimbursement. After the waiting period is over, you can enjoy medical insurance benefits according to your re-enrollment, and recalculate the continuous payment time. The payment period of the insured employees before the deadline for payment can be included in the cumulative payment period.

Employees who pay medical insurance premiums for reasons of the unit shall be paid by the unit; Employees who pay medical insurance for personal reasons can choose whether to pay back according to local policies.

Simply put, the impact of the suspension of employee medical insurance is:

First, medical insurance can't be reimbursed next month.

Two or three months of renewal, the next month of renewal can be used normally, and it is regarded as continuous insurance;

Three, more than three months and then continue to maintain a waiting period of 3 to 6 months (different local requirements), the waiting period can not be reimbursed for medical insurance, as re-insurance, re-calculation of continuous insurance years.

Employees who have paid the medical insurance premium 10/15 years or more can enjoy the basic medical insurance benefits after retirement, which is "cumulative" here, not "continuous".

note:

After 20 14 10, the insured went through the registration formalities of social medical insurance for employees in Guangzhou for the first time and paid the fee. Before 20 13 12 3 1, the insured went through the registration formalities of social medical insurance for employees in Guangzhou, but on 2014/.

If the insured has gone through the registration formalities of employee social medical insurance in Guangzhou before 20 13 12 3 1 and paid the fee before 20 14 14 3 1, the payment period of employee social medical insurance is1.

What if I don't want to pay social security when I leave my job?

If you change jobs carelessly, it will easily lead to the break of social security!

In case of illness/childbirth/unemployment/work injury/or need to apply for residence permit/public rental housing/lottery, social security can play an important role, but it must not be broken off.

How to ensure the continuity of social security if you leave your job, jump ship, or have no job and can't pay social security?

Insure through social security payment company. This insurance method is the same as employee social security, except that individuals need to bear part of several companies, plus uncertain platform service fees. You can understand it as total cost = employee social security cost+remittance service fee.