Can the medical insurance card be used without payment for three years?

The medical insurance card can be used for three years without payment, but it cannot be reimbursed and medical insurance is suspended. Medical insurance benefits shall be suspended from the month following the date of suspension. To put it simply, it is not to stop using it immediately, but to stop enjoying medical insurance benefits from next month. However, 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.

It will take some time for social security to break off, renew and return to normal. According to the break time, it can be divided into two situations: First, under normal circumstances, within three months after the break, you can enjoy normal medical insurance benefits from the second month after you go through the normal payment procedures. Two, continuous interruption of payment for 3 months (inclusive), will be regarded as interruption of insurance, interruption of insurance to enjoy medical insurance benefits, the need to supplement the continuous payment for 6 months after the renewal procedures.

If you have time requirements, you can generally pay social security-related expenses for 3-5 years. The minimum payment period of endowment insurance is 180 months, that is, 15 years. You can give more, and then you can get more. At the same time, the pension insurance can accumulate payment years, that is, intermittent payment is allowed. Medical insurance needs at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as the fee is renewed, it is also possible at ordinary times). Therefore, the endowment insurance can be supplemented or not, as long as the minimum payment is 15 years. However, the medical insurance has a three-month buffer period from the date of suspension, and the regular payment of relevant benefits will not be affected, otherwise the payment period will need to be re-accumulated, and medical reimbursement will not be available. Generally, there is a late payment fee, which is calculated at 2 ‰ per day, and interest is charged.

Not covered by reimbursement:

(1) Self-seeking medical treatment (no designated hospital or referral form), self-purchasing drugs, drugs that cannot be reimbursed according to the regulations on free medical care, and medical expenses that do not conform to family planning;

(2) Outpatient treatment fee, visiting fee, hospitalization fee, meals fee, escort fee, nutrition fee, blood transfusion fee (except for family blood donors, which shall be reimbursed according to relevant regulations), heating and cooling fee, ambulance fee, special nursing fee, etc.

(three) medical expenses for car accidents, fights, suicides, alcoholism, work-related injuries and medical accidents;

(4) Orthopedics, cosmetic surgery, dental implants, artificial limbs, organ transplantation, roll call surgery fees, consulting fees, etc. ;

(5) Within the scope of reimbursement, beyond the limit.

You can pay medical insurance separately, not social security. The collection department of the medical insurance institution accepts the Declaration Form for the Change of Medical Insurance Payment Base reported by the insured unit, and requires the following information:

Wage payment schedule; List of increase or decrease of personnel participating in medical insurance; Other materials as prescribed by the medical insurance institution.

Payment verification:

The collection and payment department of the medical insurance institution shall review the payment declaration and approval form and related materials reported by the insured unit. After passing the examination, go through the formalities of approving or increasing or decreasing the insured; The collection and payment department of the medical insurance institution shall, according to the declaration and verification of payment, record the time of enrollment and the current payment of wages and other information for the new insured in a timely manner. The collection and payment department of the medical insurance institution shall declare and approve the current payment base according to the insured unit; The collection department of the medical insurance institution calculates the payable amount according to the approved current payment base and payment rate of the insured unit, prints out the Notice of Medical Insurance Payment, feeds it back to the reporting unit, and collects it on this basis.

Legal basis:

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

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.