Medical insurance will take effect the month after purchase.

Resident medical insurance is purchased from September to November each year and becomes effective on January 1 of the following year.

Continuous purchases are valid forever.

If the purchase time of resident medical insurance misses the above purchase time, there will be a 3-month waiting period.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks.

A medical insurance fund is established through employer and individual contributions. After insured persons incur medical expenses for medical treatment, the medical insurance agency will provide them with certain financial compensation.

The establishment and implementation of the basic medical insurance system has gathered the economic power of units and members of society, and coupled with government funding, can enable sick members of society to obtain necessary material assistance from society and reduce the burden of medical expenses.

Medical insurance reimbursement conditions: 1. The employee is employed by the employer; 2. The employer pays medical insurance for the employee; 3. The employer pays for the employee’s medical insurance for at least one month and continues to pay; 4. The employer meets the requirements for medical insurance reimbursement

Regulations.

Medical insurance reimbursement materials: 1. Hospitalization invoice; 2. Discharge certificate (both of the above must be original); 3. Hospitalization expenses and medication list (stamped with the official seal of the hospital). A report sheet is required for large-scale examinations, but large-scale examinations are generally self-paid.

Project); 4. Copy of household registration or ID card; 5. New rural medical insurance certificate; 6. Provide social security designated hospital certificate of inpatient hospital.

The effective time of medical insurance after purchase mainly includes the effective time of unit employees participating in employee medical insurance, the effective time of flexible employment personnel participating in employee medical insurance, the effective time of urban and rural residents' medical insurance, and the effective time of commercial medical insurance.

1. If the employees of the unit participate in the employee medical insurance for the first time, it will take effect starting from the month after the employer pays the medical insurance. After the payment record is checked by the Social Security Bureau, it will take effect, that is, they can enjoy the medical insurance benefits.

2. Flexible employment personnel participate in employee medical insurance. If an individual participates in employee medical insurance with a flexible employment status, part of the outpatient expenses can be reimbursed from the month after enrollment, but hospitalization expenses need to wait 3-6 months before being reimbursed.

In addition, if payment is interrupted and the interruption period does not exceed three months, reimbursement can be resumed after additional payment is made. If the interruption period exceeds three months, there will still be a waiting period of 3-6 months before reimbursement can take effect.

3. Urban and rural residents’ medical insurance. If urban and rural residents participate in the insurance for the first time, it will generally take effect 90 days after the payment is received. They will enjoy the benefits of urban and rural residents’ medical insurance. However, if a newborn is insured within 90 days of birth, the insurance will be enjoyed from the date of birth. The insurance will be renewed.

If you pay annually during the centralized payment period, you will be able to enjoy resident medical insurance benefits starting from January 1 of the following year. If you miss the centralized payment period, you need to make a back payment within the specified time, otherwise you will not be able to enjoy medical insurance benefits.

4. Commercial medical insurance Commercial medical insurance takes effect from the day after the premium is paid, but there will be a waiting period. The common number of days of the waiting period is 30 days or 90 days. If an insurance accident occurs after the waiting period, the insurance company will

Compensation will be paid as agreed.

Whether it is medical insurance in social security or medical insurance in commercial insurance, no compensation is provided.

After the medical insurance for employees of the unit is interrupted and payment is resumed, insurance accidents that occur during the interruption period will not be compensated.

If the employee medical insurance covered by flexible employment requires hospitalization or is interrupted for more than 3 months, there will be a waiting period of 3-6 months. Insurance accidents that occur during this waiting period will not be compensated.

If urban and rural residents participate in the medical insurance for the first time, no compensation will be paid if an insured accident occurs within 90 days after the payment is received.

During the waiting period of commercial medical insurance, whether it is a 30-day waiting period or a 90-day waiting period, the insurance company will not compensate for insured accidents that occur during this period.

The operation for individuals to pay social security is as follows: 1. Bring materials and a certain amount of money, and go directly to the local social security bureau to pay. Self-employed individuals will pay 20% or 18% of the monthly salary of employees on the job to the old age insurance, and only 8%

When entering a personal pension insurance account, 12% goes into the pension insurance fund account; the same goes for medical insurance, about 3.25% goes into the personal human resources social security card, and 8% goes into the medical insurance pooling fund account; 2. Online payment, this needs to be activated in advance

Please enter the social security card and change the password, and then go to the bank to activate the UnionPay function of the social security card.

If you meet the above conditions, you can pay online.

Sometimes it also depends on whether the service platform has opened relevant functions.

The company pays social security as follows: Company social security refers to the five insurances we talk about daily, including pension insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance.

Among them, pension insurance, medical insurance and unemployment insurance are premiums paid jointly by enterprises and individuals. Work-related injury insurance and maternity insurance are entirely borne by enterprises.