What are the consequences of not paying medical insurance?

If an individual cannot enjoy pension insurance and medical insurance without paying medical insurance, it is conditional to receive pension insurance benefits. You need to pay a pension of 15 years, and you can receive it monthly after retirement. Medical insurance needs to be paid for 20 years to enjoy it for life. In addition, at that time, medical insurance could not be guaranteed, and accidental injuries caused by serious illness could not be guaranteed by policies.

If the company fails to pay medical insurance, the relevant departments will punish the company. 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 5/10000 shall be added daily; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed. Workers may apply to the local labor and social security department for labor arbitration or report complaints. Failing to provide labor protection or working conditions as agreed in the labor contract, the laborer has the right to terminate the labor contract, and the employer shall pay economic compensation.

Legal basis:

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

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

Derivative problem:

Will the medical insurance account be cleared? Can I get a refund?

The balance of medical insurance personal account is not clear, and it can be used next month; The payment period of medical insurance can be calculated cumulatively, and the medical insurance paid before will not be paid in vain. The balance of personal account will be activated and can be used again after paying medical insurance, so the amount of medical insurance paid by individuals will not be cleared.

There is no refund for medical insurance interruption. However, if the payment is repeated, the fee can be refunded according to the following steps: in the following year, I can apply for a refund of the overpaid insurance premium, and I will go to the county social security bureau (or the town street social security office) where I am currently insured; Fill in the Application Form for Refund of Medical Insurance for Insured Units (Individuals), explain the original application for refund and provide relevant supporting materials.