What will be the impact of suspending the basic medical insurance for urban and rural residents?

Suspension of basic medical insurance for urban and rural residents will bring the following effects:

1, urban residents' medical insurance is just consumer insurance, which can be broken in one year; But it is not recommended to break off diplomatic relations. Once the insured person interrupts the payment, it means that he can't enjoy the treatment of hospitalization reimbursement. If you catch up with a serious illness, it is too late to regret it;

2. If the medical insurance for urban residents is suspended for more than 3 months, it will be regarded as automatic surrender by the system;

3. After the insurance is stopped, the payment is normal, and the medical insurance cannot take effect immediately. Only when the continuous payment is required for more than 6 months to 12 months can the insured personnel enjoy the medical insurance hospitalization reimbursement treatment normally.

Medical insurance is divided into the following five types:

1, general medical insurance, which is the most extensive insurance liability in medical insurance;

2. Accidental injury medical insurance, which is mainly responsible for the medical expenses incurred by the insured due to accidental injury;

3. Hospitalization medical insurance, which covers the medical expenses incurred when the insured needs hospitalization due to illness or accidental injury;

4. Surgery medical insurance is a single medical insurance, which only protects the medical expenses incurred by the insured due to surgery;

5, special disease insurance, this is specifically for the insured suffering from a specific disease as an insurance accident.

To sum up, 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; Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance 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.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.