Does it make sense for medical insurance to interrupt payment?

Meaningful. If the insured person of employee medical insurance interrupts payment within 3 months, it shall not be regarded as interruption of insurance. If the payment is interrupted for 3 months, it will be regarded as the interruption of insurance, and the medical insurance benefits will be suspended from the next month after the interruption of payment. After going through the normal payment procedures, you will enjoy medical insurance benefits from the next month; After the interruption of insurance, you can apply for insurance procedures and pay for 6 months in a row before you can enjoy medical insurance benefits.

If an enterprise employee chooses to pay all unpaid medical insurance premiums within a 6-month interruption period, the payment period of medical insurance will continue to be calculated after the 6-month medical insurance premium payment is completed. If no payment is made, the year of interruption of payment cannot be recorded, and the payment time before and after interruption is combined to calculate the total payment period of medical insurance.

According to the relevant regulations of the social security department, those who have not paid the basic medical insurance premium for three consecutive months or accumulated for six months cannot continue to enjoy the basic medical insurance benefits. After the resumption of payment, medical insurance has been interrupted for three months in a row, and after six months of continuous payment of medical insurance, you can continue to enjoy medical insurance benefits. If the payment of medical insurance premium has been suspended for six months, you need to pay the medical insurance premium of 12 months before you can enjoy the medical insurance benefits again.

At the same time, if you want to enjoy medical insurance benefits after retirement, male employees need to pay medical insurance, and female employees need to pay medical insurance for 20 years after 25 years. Accumulated payment period of medical insurance If the employee's medical insurance is cut off, the accumulated period can't reach the stipulated period for retirees to enjoy medical insurance, which may lead to retirees not enjoying medical insurance benefits.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees.

If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Article 63 If an employer fails to pay social insurance in full and on time, the social insurance fee collection agency shall order it to pay within a time limit or make up for it.