How long will medical insurance take effect?

The effective time of insurance varies according to the type of insurance and regional policies.

For urban workers' basic medical insurance and urban and rural residents' medical insurance, generally, after completing the payment procedures for the first time, you can enjoy medical insurance benefits the next month or after a certain waiting period (6 months in some places). If you are an employee, you can generally enjoy medical insurance benefits from the month when you start working and pay medical insurance fees, but the specific effective time is subject to the regulations of local social security bureaus.

Commercial medical insurance is more flexible. Some products take effect immediately after successful purchase and payment, while others have a waiting period, such as 30 days or 90 days. Generally speaking, when buying insurance, you must know the effective time and terms in detail.

In some areas, the new rural cooperative medical system usually needs to pay during the centralized payment period, starting from 65438+1 October1in the payment year. In short, please refer to the local social security policy and commercial insurance contract for details.