What to do if a resident's medical insurance has been suspended for one year

As soon as possible to understand the health insurance policies and regulations, to determine the amount and duration of the retroactive payment, to handle the retroactive payment procedures or re-enrollment, and to pay attention to the changes in the personal health insurance account.

One, understand the health insurance policies and regulations

First, residents need to understand the health insurance policies and regulations in their areas, including the standard of health insurance contributions, the way to make up for the contributions, and the conditions of participation, etc. These information can be obtained through the local social security bureau. This information can be obtained through local social security bureaus, health insurance centers or official websites.

Determining the amount and duration of retroactive contributions

According to the health insurance policy, residents need to determine the amount of retroactive contributions and the duration of retroactive contributions during the period of interruption. The amount of contribution is usually calculated based on the length of the break and the contribution rate, while the period of contribution is based on the local policy.

Third, for the retroactive payment procedures

Residents can go to the local social security bureau or medical insurance center for the retroactive payment procedures. In the process, you need to bring a valid ID card, medical insurance card and other related materials, and fill out the application form for retroactive payment according to the requirements. At the same time, you need to pay the corresponding re-payment fees.

Four, re-enrollment or renewal

If the residents did not participate in other medical insurance during the period of disconnection, they can choose to re-enroll. Re-enrollment is subject to the procedures and requirements set out in the local policy, including filling out an application form and paying the enrollment fee. If a resident was enrolled in other medical insurance during the period of disconnection, he or she can choose to renew the insurance after making the retroactive payment to maintain the continuity of medical protection.

Fifth, pay attention to the personal health insurance account

After handling the procedures of replenishment or re-enrollment, residents should pay attention to the changes in their personal health insurance account to ensure the normal enjoyment of health insurance benefits. At the same time, they should also regularly check their health insurance payment records to avoid any further breaks in payment.

In summary:

After a year's interruption of payment, residents should understand the policies and regulations of health insurance as soon as possible, determine the amount and period of time to make up for the payment, go through the procedures of making up for the payment or re-enrollment, and pay attention to the changes in the personal health insurance account. By making timely contributions or re-enrolling in the program, you can ensure the continuity and effectiveness of your personal medical insurance.

Legal basis:

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

Article 23 stipulates:

Employees shall participate in the basic medical insurance for employees, and shall pay the basic medical insurance premiums by the employing organization and the employees in accordance with the state regulations***. Individual industrial and commercial households without employees, part-time workers who do not participate in the basic medical insurance for employees in their employing units, and other flexibly employed persons may participate in the basic medical insurance for employees, and individuals shall pay the basic medical insurance premiums in accordance with the state regulations.

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

Article 60 stipulates that:

Employers shall declare and pay social insurance premiums on their own, in full and on time, and shall not suspend or reduce them except for force majeure and other legal reasons. The social insurance premiums to be paid by employees shall be withheld and paid on behalf of the employer, and the employer shall inform the person concerned of the details of the payment of social insurance premiums on a monthly basis. Individual entrepreneurs without employees, part-time workers who do not participate in social insurance with the employer, and other flexibly employed persons can pay social insurance premiums directly to the social insurance premium collection organization.