If you miss the medical insurance payment in that year, can you still pay it back?

If social security is interrupted, you can repay as long as you meet the repayment conditions. The key is to look at the reasons for the interruption of payment, and the same is true for medical insurance. According to different situations, it can also be divided into two situations.

First of all, it is impossible to pay back the money if the diplomatic relations are broken for personal reasons. Secondly, if the unit fails to pay social security or fails to pay social security to its employees, it can pay them back, and the expenses and late fees for paying social security shall be borne by the unit.

1. What's the impact of cutting off medical insurance?

Most of our medical insurance payments are caused by individuals, so in this case, what impact will it have on us?

Relatively speaking, the impact is still relatively large, such as directly affecting the reimbursement treatment of medical insurance, and secondly affecting the continuous payment period of medical insurance. Of course, the cumulative payment period is not affected, but if the continuous payment period is affected, it will affect everyone's medical insurance benefits, and even in some cities, it will affect children's schooling, buying a house and settling down, which needs to be taken seriously.

2. First of all, it affects medical insurance benefits. We can't reimburse the doctor during the interruption of medical insurance. All medical expenses are borne by individuals in full, and there will be a long waiting period after re-insurance. During the waiting period, medical insurance benefits in some areas will also be affected.

Take Fujian's policy as an example. If the insured person interrupts medical insurance for more than 3 months, he/she needs to pay the social security fee during the interruption period after re-payment, and can only enjoy 40%-50% medical insurance benefits during the waiting period of 12 months. If the insured is unwilling to pay the medical insurance fee during the interruption period, then within 24 months after re-enrollment, the individual can only enjoy 40%-50% of the normal medical insurance benefits.

Secondly, it affects the maternity allowance. After maternity insurance is incorporated into medical insurance, medical insurance payment will also affect maternity treatment. During the interruption of medical insurance, maternity insurance is also equivalent to payment. In this case, the continuous payment period of maternity insurance will be cleared. If you want to enjoy maternity insurance benefits, most areas require that the continuous payment period of maternity insurance be 6 months or even 12 months.

Let's take Fujian Province as an example. In some areas of Fujian Province, those who have joined or stopped medical insurance for more than 3 months can only enjoy 50% maternity allowance during the waiting period.

4. Finally affect other benefits. For example, after the social security payment is cut off, the continuous payment period will be recalculated, so many cities have clear regulations. If you want to buy a house, settle down and send your children to school in the city, you need a certain period of continuous social security payment.

Take Xiamen, Fujian as an example. Want to settle down in Xiamen, different regions, different academic qualifications, social security payment years are different. For example, graduates with bachelor degree or above need to pay social security for more than three months. Migrant workers need to pay social security for five years if they settle down.