What will be the impact of cutting medical insurance after unemployment? I don't want to stop paying
Many people know that social security will be cut off after unemployment, and medical insurance, as an important part of social security, will also be affected. But what the specific impact is, many people do not know.
Pharaoh used to work as a security guard, but he stopped paying social security for 3 months because he was unemployed. Recently, I spent 20 million yuan in hospital. I wanted to get medical insurance for reimbursement, but I was told that I couldn’t get reimbursed, and I could only use the money from my personal account to pay. But the money wasn't much at first, and it was only at this time that he realized that after the social security payment was cut off, the impact on medical insurance was also quite large.
Normally, after the social security payment is cut off, you only need to pay for 15 years, and you can receive the pension when you retire. This does not have much impact on people who occasionally lose their jobs for a few months. However, medical insurance is different. In most areas, after the payment is suspended for more than one month, the reimbursement cannot be made in the second month.
What will be the impact of cutting medical insurance after unemployment? I don't want to stop paying
So, what are the specific impacts after the medical insurance is cut off?
The most direct impact is that the reimbursement will no longer be available from the second month after the payment is terminated.
Except for some very few areas, reimbursement can still be made within three months after the payment is cut off, and most areas cannot be reimbursed in the next month. Just like the example of Lao Wang, when you leave your job, you don’t know how to deal with it, so after the medical insurance is cut off, you can’t use it when you really need it.
In addition, after the payment is terminated, in some places, you can immediately enjoy the reimbursement rights without making up the payment. Normally, you have to wait for the next month, and some places require you to pay for 6 consecutive months before you can enjoy medical insurance reimbursement. And after the payment is cut off, the self-inflicted ratio may increase this year.
Taking Changsha as an example, if the flexible employees stop paying medical insurance, they will stop enjoying basic medical insurance benefits from the next month. If the principal and interest are made up within 3 months, the corresponding treatment will be resumed from the next month after the payment, but the personal liability ratio will increase by 10% in the current settlement year; if the principal and interest are not paid within 3 months, the principal and interest will be made up from the next month. From now on, the basic medical insurance benefits will be restored, but the personal self-responsibility ratio will increase by 15% in the current settlement year.
What will be the impact of cutting medical insurance after unemployment? I don't want to stop paying
Affects health insurance reimbursement limit
The upper limit of reimbursement of medical insurance is related to the time of continuous participation in the insurance. The longer the continuous payment period, the higher the annual reimbursement limit, and the longer the continuous payment period, the higher the reimbursement limit. If the payment is stopped for more than 3 months, the continuous payment time will be cleared, and the accumulation will start again, which will naturally affect the upper limit of reimbursement.
Of course, in addition to the above effects, it will also affect policies such as buying a house, buying a car, and settling in points. If you don't know these, it is best to understand the relevant local policies when you leave the company.
If you don't want to stop paying after you lose your job, you can do this
If you don’t want to cut off social medical insurance payment after you lose your job, the best way is to find a new job quickly, but some people can’t find a new job in a short time, so you can do it in the following two ways.
What will be the impact of cutting medical insurance after unemployment? I don't want to stop paying
- Find a social security payment agency to pay on your behalf
There are many similar payment agencies on the market now, you just need to find those formal payment agencies and let them help you pay social security on your behalf. The advantage is that the same as in the company before, social medical insurance and provident fund can be paid. However, the cost will be relatively high, you have to bear the part of the enterprise, and you have to pay a service fee to the organization.
- Pay by yourself
If you have a local urban resident hukou, you can apply for individual payment of social security. However, this method is not suitable for everyone, and only two types of pension and medical insurance can be paid. Different regions have different policies on this, you can consult the local social security bureau.
The impact of the payment of medical insurance is still relatively large. When you leave your job, no matter whether you find a new home or not, you still have to pay attention to this aspect, so as not to affect the reimbursement rights because of the payment.