How long can the medical insurance in Shenzhen be stopped?

If medical insurance continues to interrupt payment for 3 months (inclusive), it will be regarded as interruption of insurance participation and cannot be used. Medical insurance is social medical insurance, which is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection. It is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation. The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".

First, employees who have stopped paying for medical insurance within 3 months (excluding 3 months) are not considered to have stopped participating in the insurance, and those who have stopped paying for 3 months (including) are considered to have stopped participating in the insurance, and they will enjoy medical insurance benefits from the next month after the payment is interrupted. After going through the normal payment procedures, they will enjoy medical insurance benefits from the next month; 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.

Two, the basic medical insurance fund for employees and individual accounts shall be accounted for separately according to their respective scope of payment, and shall not be crowded with each other.

(1) Personal account, which is used to pay out-patient expenses, out-of-pocket hospitalization expenses and shopping expenses of designated pharmacies.

(2) the overall fund is used to pay for hospitalization and some outpatient serious illness expenses. The overall fund payment has a minimum payment standard and a maximum payment limit. Qifubiaozhun is controlled in principle at about 10% of the average annual salary of local employees, and the maximum payment limit is controlled in principle at about 4 times of the average annual salary of local employees. Medical expenses below Qifubiaozhun shall be paid by personal account or borne by individuals. Medical expenses above Qifubiaozhun and below the maximum payment limit are mainly paid by the overall fund. These qualifications require continuous payment of Shenzhen social security. For example, non-local residents who buy a house in Shenzhen must pay social security for five consecutive years; Buying a car must pay social security for 2 years continuously; Settled and must participate in social security for 3 years; To apply for public rental housing in Shenzhen, you must provide a record of continuous payment of social security in the last three years; Buying affordable housing must pay social security for 5 years in a row.

In short, there is no question of how long Shenzhen social security will expire, but once social security is stopped, you can no longer enjoy insurance benefits such as critical illness insurance, maternity insurance and work injury insurance, and your eligibility for buying a house and a car will be limited, so don't stop paying it unless you have to.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 2. The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. Safeguard citizens' right to get material help from the state and society in accordance with the law in old age, illness, work injury, unemployment and childbirth.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth, in line with the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards, as well as emergency and rescue medical expenses, in accordance with state regulations, paid from the basic medical insurance fund.