medical insurance can't be refunded when it stops.

once the medical insurance is stopped, the paid fees are usually not refundable. The details include: if the insured pays medical insurance premiums in more than two units, resulting in repeated payment, the part paid by the units will not be refunded and the individual accounts will be merged; At the same time, the repeated payment caused by participating in employee medical insurance and resident medical insurance will not be refunded; In the previous year, if the social security wage was stopped or the relationship was transferred before it was announced, it would not be liquidated and refunded after the insurance was stopped; After voluntarily choosing different payment grades, you may not ask for a refund of the paid fees; Individual insured persons die after annual payment, and the part included in the overall fund and large medical insurance fee will not be refunded; Before the municipal co-ordination, the repeated payment between different co-ordination areas will not be refunded. In addition, after the insurance is stopped, it will be impossible to use the medical insurance card for reimbursement, which will affect the continuous payment period and the outpatient treatment of serious illness, as well as the payment amount of the basic medical insurance pooling fund.

Basic principles of medical insurance:

1. Nature of medical insurance fund: Medical insurance fund is a social security fund paid by the state, enterprises and individuals to share personal medical expenses;

2. Mutual aid principle of medical insurance: medical insurance follows the principle of mutual aid and economic aid, that is, the insured pays the same fee, bears the risks and enjoys the rights and interests;

3. Policy orientation of medical insurance: The medical insurance policy aims to reduce the economic burden of the insured due to illness and improve the accessibility of medical services;

4. restrictions on the use of medical insurance: the medical insurance fund is mainly used for reimbursement of medical expenses of insured persons, and it cannot be used for other purposes, nor does it support withdrawal or refund under non-medical conditions.

to sum up, once the insurance is stopped, the medical insurance fee will not be refunded, and it will also affect the reimbursement of medical insurance card, the years of continuous payment, the treatment of serious illness outpatient service and the payment amount of basic medical insurance pooling fund.

Legal basis:

Article 14 of the Social Insurance Law of the People's Republic of China

Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.