Will the money broken by medical insurance be hollowed out?

The money in the broken medical insurance will not be emptied.

After the user stops paying medical insurance, the balance in the account will still exist in the user's personal medical insurance account. Only after the interruption of medical insurance, users can't enjoy medical insurance benefits, and the funds in the personal account balance of medical insurance may be frozen. In this case, users can't use the funds in the personal medical insurance account to pay their own medical expenses for hospitalization or outpatient service.

Although the interruption of medical insurance will affect the reimbursement of medical insurance, the amount of medical insurance account and the payment period of medical insurance will not be emptied. Users can continue to accumulate payment years after renewing medical insurance. It is only necessary to note that according to the time when the medical insurance payment is interrupted, the legal recovery of medical insurance benefits is also different. If the general medical insurance is interrupted for more than 3 months, the medical expenses will be entitled to medical insurance benefits from the first 13 month of the month of re-payment. Units pay medical insurance premiums and enjoy treatment from the next month of payment.

Impact of medical insurance interruption:

1, affecting the enjoyment of medical insurance benefits. After the medical insurance is paid off, you can't enjoy medical insurance reimbursement when you go to the hospital. In addition, if the employer fails to pay the social insurance premium in full and on time, the social insurance premium collection agency shall order it to pay it within a time limit or make up for it, and from the date of default, an overdue fine of 0.5% shall be charged on a daily basis (specifically subject to the provisions of the municipal medical insurance bureaus);

2, affect the enjoyment of maternity treatment. Female employees who fail to pay maternity insurance 1 month before production or fail to pay maternity insurance during production cannot enjoy the maternity insurance benefits of that month;

3. Affect retirement benefits. Long-term interruption of payment, retirement accumulated payment period is insufficient, after the prescribed payment period, you can enjoy basic medical insurance benefits according to regulations.

To sum up, if it is not a special case, users are advised not to interrupt medical insurance payment. If the medical insurance is broken due to personal job resignation, it is suggested that users can choose another way to pay medical insurance again.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, 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.