What to do if you break your social security payment in an epidemic? The most complete strategy for social security reimbursement

One of the effects of social security breaks1, sick hospitalization is difficult to reimbursement

Separation from the social security break, the biggest impact is the social security of the medical insurance.

If there is money in the personal account of the health insurance card, the balance and the number of years of contributions will not be zero. But from the 1st of the second month after the break, you will not be able to get reimbursed for your medical expenses. If you get sick and are hospitalized, you'll have to pay for all your medical expenses out of pocket.

The first 1-2 months of the break will be renewed and you will still be able to enjoy the benefits of the health insurance.

If you break more than 3 months, the continuous contribution period will be zero (personal account will not be zero), this time if you have a serious illness is estimated to reimbursement, and then re-payment, you have to wait for several months to enjoy the health insurance treatment.

2, provident fund loans difficult

broken social security, provident fund natural broken. The CPF loan is basically the cheapest loan we can borrow in our lifetime, and its interest rate is generally about 70% off commercial housing loans. But if you want to buy a house with a CPF, the social security has to be paid for a minimum of 6 consecutive months.

So if you want to buy a house in the year you break your payment, it's basically hard to get a loan.

3, commercial insurance purchase price is high

Some people think, I broke the social security does not matter, I can still buy commercial insurance ah, in fact, I do not know, now a lot of commercial insurance, is divided into social security and no social security. For example, Ping An eShouBao this million medical insurance, 30 years old, if you have medical insurance as long as 366 yuan, but if you do not have medical insurance, to 792 yuan, a whole more than 1 times more expensive!

Two, social security did not pay 15 years how to do? 1, a one-time make up

If you belong to the following three groups of people, you can make up a one-time social security payment.

1961 to 1982 of the rural youth; 2011 before the retirement of state-owned enterprises and institutions employees; once paid social security, not full 15 years has been the retirement of the older (which men over 65 years old, more than 60 women) 2, a year a year to make up for the payment

Most people do not belong to the above three categories of people, generally a year a year to make up for the payment is a more commonly used way. Until the full 15 years or 25 years of retirement, you can receive a pension, see a doctor for life reimbursement.

For this method, if you are not much time difference, such as three or four years, one year a year to make up the contribution is still very cost-effective, but if you are more years of difference, it is not very cost-effective.

3, switch to urban and rural residents health insurance

If the break is too long, the economic conditions do not allow the case, the employee social security to residents social security is also an option. In this way, the cost of contributions is not so high, but the health insurance reimbursement will be lower than the employee health insurance reimbursement, and the pension received is also lower than the employee pension.

Three, the epidemic during the social security break how to do?

What about the social security break during the epidemic? Don't worry, the Ministry of Social Affairs notice clearly allows insured enterprises and individuals to extend the business. Flexible employment and urban and rural residents, 2020, a one-time payment or regular payment of social insurance premiums to relax the time limit requirements failed to handle the insurance premiums in a timely manner, allowing the end of the epidemic to make up for the late does not affect the individual rights and interests of the participants in the record (make up for the formalities need to be completed within three months after the lifting of the epidemic).

Four, social security constantly pay tips 1, the new unit

new unit in the same city: most companies are unified in the 15th of each month to pay the social security, so in the month to leave, the next month before the 15th into the new company, social security can be done seamlessly.

The new unit is not the same city: you need to consider the transfer of social security matters. Only pension insurance, maternity insurance, medical insurance and housing provident fund can be transferred, and they can be accumulated.

The specific operational steps for the transfer of social security relations, each local policy is not quite the same. You can check the website of the local social security units, or directly call the local social security bureau hotline 12333 for advice.

2, their own social security

Not as expected to find a new job individuals can be flexible employment status to the domicile of the tax department for social security registration procedures.

3, find a social security company to rely on

Individuals can find a regular social security company to rely on, and the same as the employees, enjoy the five insurance treatment, to ensure that the social security continuous payment. But be sure to find a reliable large agency Oh!

Fifth, with social security should not build, do so will make the social security card invalid! 1, unrelated to the disease consumption: social security card to buy health care or household goods

2, overprescribing: medicine for medicine (things), resale of medicines, set and false checking of medical items such as fraudulent medical insurance funds, over the scope of the purchase of drugs hoarding drugs, etc..

3, the use of fraudulent name: the use of other people's social security card in the hospital, the should pay for their own medical expenses, with other people's social security account for payment.

4, forged cases, bills: forgery or the use of false cases, kitchens, inspection and laboratory reports, diagnostic certificates of disease and other medical instruments and medical invoices, as a reimbursement of health insurance account vouchers, as health insurance fraud.

5, selling drugs: the use of health insurance cards in hospitals to prescribe more than the amount of medicine needed for the condition of the drug, and then resell the drugs prescribed, this means of social security card belongs to the behavior of the fund, is an illegal profit or unjust enrichment.

6. Borrowing from others: Lending your social security card to others for medical treatment.