How to renew medical insurance when medical insurance is interrupted?

Measures for the renewal of medical insurance after interruption:

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2. If the payment is interrupted for more than 3 months before the transfer, it shall be implemented according to the provisions of the overall planning area. The waiting period for treatment should not exceed 6 months in principle. Employees' medical insurance retirees do not support transfer and connection.

3. It used to be employee medical insurance, but now it is transferred to resident medical insurance. If it is divided into three months, you can enjoy reimbursement in the month of payment, and the treatment during the interruption period can be enjoyed retroactively according to regulations.

4. Residents' medical insurance is transferred to employees' medical insurance. This is not about continuity. Residents' medical insurance is broken, and they only need to continue to participate in employee medical insurance. If residents' medical insurance has not stopped, it is necessary to suspend residents' medical insurance benefits before paying employees' medical insurance.

5. Residents' medical insurance will continue to be paid. This can be handed in according to the regulations. Residents' medical insurance is paid annually and can be paid during the collection period.

Second, what is the impact of withholding on medical insurance benefits?

1. After the payment is stopped, the medical insurance function in the social security card will be frozen as a whole, and the medical insurance function will be changed to the self-funded mode at the charge office of each medical institution, and only the funds in the personal account can be used to pay medical expenses. After paying the fee within 3 months, you can go to the medical insurance center for manual reimbursement with the relevant receipt.

2. If the insurance is renewed within 3 months after the payment deadline, the medical expenses incurred during the payment period will be paid by the medical insurance pooling fund based on the current medical insurance payment salary.

3. If the payment is interrupted for more than 3 months, the medical expenses incurred during the interruption of payment will not be paid by the medical insurance pooling fund. When re-insurance payment is made, within 12 months after the basic medical insurance premium during the interruption period is paid based on the average monthly salary of employees in full-caliber urban units in Fujian Province last year, the treatment paid by the overall planning fund is 50% of the medical insurance benefits of the insured persons of the basic medical insurance for normal employees in the overall planning area. During the interruption, if I don't want to pay the basic medical insurance premium, I will be re-insured within 24 months, and the treatment paid by the overall fund will be 50% of the medical insurance benefits of the insured persons of the basic medical insurance for normal employees in the overall planning area.

To sum up, there may be differences in policies and regulations of medical insurance renewal in different regions, and the materials required for specific operations may also be different, which can be operated according to the requirements of local medical insurance institutions. The use of medical insurance also needs to comply with medical insurance policies and regulations to avoid unnecessary troubles.

Legal basis:

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

Article 26

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Article 27

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; 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.

Article 28

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.