How long can you not pay medical insurance and enjoy it?

Medical insurance can't exceed three months. Continuous interruption of payment for three months, as an interruption of insurance; The payer needs to re-apply for insurance procedures and pay for six months in a row before he can enjoy medical insurance benefits again. Because of the job transfer, the medical insurance file is broken, and the medical insurance account is in a state of suspension, so you can't enjoy the relevant medical insurance benefits. If you are hospitalized during this period, you must bear your own expenses. Of course, the balance in his personal account will not be emptied, and the system will also record the individual's payment period. When renewing the insurance again, the system will automatically merge the previous payment years.

Medical insurance is suspended for more than 3 months, which is regarded as automatic surrender. If the accumulated retirement payment period is insufficient, it can be paid back. If the payment is stopped for more than three months, it will be automatically regarded as withdrawing from social insurance according to law. Of course, if the accumulated retirement years are insufficient, you can make up for it.

Where can I go for medical insurance reimbursement?

Medical insurance reimbursement needs to be submitted to the local medical insurance management center or the medical insurance checkout window of designated medical institutions. According to the law, the part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

How many years do I have to pay medical insurance to enjoy life?

Generally, medical insurance is needed, and the payment period of men is not less than 25 years, and the payment period of women is not less than 20 years to enjoy it for life. According to the law, employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Legal basis:

Article 27 of People's Republic of China (PRC) Social Insurance Law

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.