Can I use the money in the medical insurance after the social security payment is stopped?

After the payment of social security is stopped, the funds in the medical insurance account can still be used.

First, the nature of medical insurance account funds

The funds in the medical insurance account belong to personal property and are distributed by individuals according to a certain proportion when paying medical insurance. This part of the funds is mainly used to pay for personal medical expenses, including outpatient, hospitalization, medicines and other expenses.

Second, the impact of social security suspension on medical insurance accounts

The suspension of social security payments mainly affects the enjoyment of social security benefits, such as pensions and unemployment insurance benefits. However, for the medical insurance account, stopping paying social security will not directly affect the use of funds in the medical insurance account. The funds in the medical insurance account are independent and have no direct relationship with the social security payment.

Three, the scope of use of medical insurance account funds

The funds in the medical insurance account can be used to pay personal medical expenses in designated medical institutions and pharmacies. The specific scope of use may vary according to different regions and policies, but it usually includes outpatient treatment, hospitalization, drug purchase and so on.

Fourth, matters needing attention

Although the funds in the medical insurance account can still be used after the social security payment is stopped, it should be noted that the enjoyment of medical insurance benefits may be affected to some extent. For example, after stopping paying social security, individuals may have to bear a higher proportion of medical expenses, or in some cases may not be able to enjoy some medical insurance benefits. Therefore, it is recommended that individuals fully understand the relevant policies and impacts before stopping paying social security, and make corresponding preparations and plans.

To sum up:

After the social security payment is stopped, the funds in the medical insurance account can still be used to pay personal medical expenses. However, it should be noted that the suspension of social security payment may have a certain impact on the enjoyment of medical insurance benefits. Before individuals stop paying social security, they should fully understand the relevant policies and influences, and make corresponding preparations and plans.

Legal basis:

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

Article 23 provides that:

Employees should participate in the basic medical insurance for employees, and employers and employees should 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.

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

Article 27 provides that:

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.