What should I do if I don’t pay for medical insurance? Hotspot analysis and response guide for the entire network in the past 10 days
Recently, the topic of "discontinuation of medical insurance payment" has once again aroused heated discussion, especially the practical difficulties faced by flexible employment groups and employees in the transition period from resignation. This article combines the hot search data of the entire network in the past 10 days to sort out key information and solutions for you.
1. Hot search data perspective (last 10 days)
| Ranking | keywords | Hot search platform | average daily searches |
|---|---|---|---|
| 1 | Medical insurance payment will be cleared after 3 months | Baidu/Weibo | 180,000+ |
| 2 | How to pay for flexible employment medical insurance | Douyin/Zhihu | 97,000 |
| 3 | Medical insurance supplementary payment for urban and rural residents | WeChat/Toutiao | 63,000 |
| 4 | Post-employment medical insurance processing | Xiaohongshu/Station B | 52,000 |
2. Full analysis of the impact of payment suspension
According to the latest explanation from the Ministry of Human Resources and Social Security, the suspension of medical insurance payments will have the following impacts:
| Duration of suspension of payment | medical treatment | Back payment rules | recovery time |
|---|---|---|---|
| ≤3 months | Stop reimbursement next month | Immediate recovery after additional payment | 1 working day |
| 3-6 months | Stop reimbursement | Additional payment required + waiting period | 3-6 months |
| >6 months | Recalculate consecutive years | Treated as newly insured | 6-12 months |
3. Five major remedial solutions
1.Medical insurance supplementary payment for urban and rural residents: Repayment can be made during the centralized insurance period from September to December every year. The minimum standard in 2023 is 350 yuan/year.
2.Flexible employment insurance: It can be processed online through Alipay "Citizen Center" or the local government APP. The monthly payment base can be 60%-300% of the local average salary.
3.Continuation of corporate employee medical insurance: After joining the new work unit, the insurance can be renewed by providing the original insurance certificate. The waiting period will not be calculated if the payment is stopped for ≤3 months.
4.Additional payment under special circumstances: Retired soldiers, persons released from prison, etc. can apply for special backpay channels with supporting documents.
5.Commercial medical insurance transition: It is recommended to configure a million-dollar medical insurance (annual fee is about 300-800 yuan) as a transitional protection.
4. Comparison of differences in local policies
| area | Deadline for backpayment | Late fee standards | special policy |
|---|---|---|---|
| Beijing | Stop paying within 3 years | 0.05%/day | Unemployed people can be exempted from |
| Shanghai | Stop paying within 2 years | 0.02%/day | Flexible employment can be retroactive for 6 months |
| Guangzhou | Stop paying within 5 years | 0.03%/day | 50% discount for rural household registration |
5. Expert advice
1. Give priority to maintaining continuous payment of employee medical insurance. If payment is suspended for ≤3 months, make up payment in time.
2. Those with flexible employment are recommended to set up a medical insurance withholding account to avoid forgetting to pay.
3. Persons employed across provinces need to apply for transfer and continuation of medical insurance relationships, and the number of years of payment can be accumulated
4. Medical insurance must be paid for the specified number of years before retirement (25-30 years for men/20-25 years for women, depending on the location)
5. Regularly check the insurance status through the "National Medical Insurance Service Platform" APP
Recently, the medical insurance bureaus in many places have opened "deferred payment" channels (for example, Shenzhen allows deferred payment for up to 6 months). It is recommended to pay attention to the local medical insurance public account in time to obtain the latest policies. If you encounter specific problems, you can call the 12393 medical insurance service hotline for consultation.
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