Personal medical insurance can be refunded.

1. Treatment of refund of overpaid employee medical insurance premiums

(1) Refund of policy factors for participating in employee medical insurance in an individual capacity (hereinafter referred to as individual insured persons) should be strictly based on policy documents and handled objectively and fairly.

1. According to the spirit of the above documents and the payment standard when paying in bulk before the overall planning at the municipal level, the district and county medical insurance agency will verify the amount of refund, and put forward an application for refund. After being reviewed by the district and county human resources and social security bureau and the Finance Bureau, it will be reported to the Municipal Social Security Bureau for review and approved by the Municipal Human Resources and Social Security Bureau and the Municipal Finance Bureau.

2. If an individual insured person, after normal annual payment, meets the requirements of enjoying the preferential medical insurance policy upon examination, but turns into an insured employee or dies, it will be refunded according to the amount calculated by enjoying the preferential medical insurance policy. The specific refund standard shall be implemented according to the relevant provisions of Item 1 of this item.

3. The individual insured has been insured and paid by the unemployment insurance agency during the period of receiving unemployment insurance benefits, and at the same time, he has participated in employee medical insurance in his personal capacity to form repeated payment. He can apply for a refund of the personal insurance payment during the repeated period in the following year (the funds that have been transferred to his personal account during the repeated period should be deducted).

(2) The refund of the death of an individual insured person should follow the corresponding relationship between the payment and the treatment period, and be realistic.

1. If an individual insured person who pays at one time according to the second standard dies after enjoying the medical insurance benefits (including personal account) corresponding to the payment in accordance with the regulations, it will still be handled according to the document No.58 of People's Society, that is, according to the standard of personal account in the month of his death and the remaining years of one-time lump sum payment (calculated to the month), the remaining years of personal account shall be returned in one lump sum, and the part included in the overall fund and large medical insurance fee will not be refunded.

if an individual insured person pays the annual fee according to the second-grade standard and dies after enjoying the medical insurance benefits corresponding to the payment (including personal account), the funds that should be allocated in the remaining months of the current year in the personal account will be refunded in one lump sum, and the part included in the overall fund and large medical insurance fees will not be refunded.

2. If an individual insured person dies before January 31 of the following year after paying off the lump-sum medical insurance premium from January 1 of the following year, his legal heir or designated beneficiary may apply for a full refund of the corresponding insurance premium after January 1 of the following year. The annual payment of individual insured died before January 31 of that year, and the annual medical insurance premium paid by him may be applied for a full refund by his legal heir or designated beneficiary.

(3) The repeated payment of individual and unit insurance, as well as the refund of overpayment after retirement, should ensure that the payment period is continuous, and the treatment should not be repeated.

1. After the individual insured person pays the medical insurance fee annually, it turns into a duplicate payment with the insured units in our city in the middle of the year, and he/she can apply for a refund of the fee paid by the individual insured during the duplicate period in the following year (the funds that have been included in his/her personal account during the duplicate period should be deducted).

2. If the individual insured person continues to pay after completing the retirement formalities and meets the payment period of medical insurance upon examination, he may apply for refund of the medical insurance premium (excluding large medical insurance premium) paid after retirement beyond the payment period stipulated by medical insurance. The personal account shall be liquidated according to the standard of retirement and the number of months of overpayment after meeting the payment period of medical insurance, and the overpaid amount shall be deducted when the refund is made.

3. The insured employees have met the payment period of medical insurance when they should retire due to the delay in the retirement formalities of the insured units. After the retirement, the overpaid medical insurance premium shall be deducted from the amount included in the employee's personal medical insurance account and returned to the unit. The amount included in the personal account shall be liquidated according to the retirement standard (the overpaid amount shall be deducted), and the difference in medical treatment formed during the period shall be paid by the insured units with reference to the relevant provisions of medical insurance. For the lag caused by the examination and approval of the human resources and social security department, the difference in medical treatment formed during the period shall be paid by the medical insurance fund according to the regulations.

(IV) Other refunds

Before the municipal level of medical insurance co-ordination, the medical insurance premiums paid by the insured units or individuals that have been clearly defined by the policies issued by the districts and counties should be refunded according to the principle of locking items, locking standards and locking heads. By the county medical insurance agencies to apply for refund, after the county human resources and social security bureau, Finance Bureau audit, reported to the Municipal Social Insurance Bureau for review, after the approval of the Municipal Human Resources and Social Security Bureau and the Municipal Finance Bureau, the refund can be made.

II. Handling of overpayment of residents' medical insurance premiums:

(1) After the insured person has paid the residents' medical insurance premiums in full, the amount of the overpaid financial subsidies shall be refunded if they are eligible for financial subsidies upon examination. During the period from March 1 to June 3, 213, if the insured paid the residents' medical insurance fee in full, it will be refunded according to the standard of 28 yuan/person.

(2) After the insured (including college students) have paid the residents' medical insurance premium according to the regulations, they shall be refunded the amount of subsidy they should enjoy if they are eligible for the insurance subsidy approved by the relevant departments.

(3) If the insured person dies before January 1 of the following year after paying the next year's contributions, his legal heir or designated beneficiary may apply for a refund of the medical insurance premium paid by the individual.

III. Repeated payment by insured units or insured personnel in the following situations will not be refunded:

(1) Repeated payment by insured personnel who pay medical insurance premiums in two or more insured units at the same time will not be refunded, and their personal accounts will be merged.

(2) If the insured participated in employee medical insurance and resident medical insurance in the same period, the duplicate payment will not be refunded.

(3) Before the publication of the average wage of employees in non-private units in cities and towns in the last year (hereinafter referred to as social wage), the employees whose medical insurance coverage was suspended or their relationship was transferred by the unit will not be liquidated and refunded after the publication of social wage.

(4) after individual insured persons or urban and rural residents' medical insurance insured persons voluntarily choose to pay according to the first and second grades, they may not ask for the refund of the paid medical insurance premiums in the name of surrender or transfer.

(5) If the individual insured pays the annual fee according to the first-class standard and dies during the effective period of the insurance, the part included in the overall fund and the large medical insurance fee will not be refunded.

(6) before the municipal co-ordination, the repeated payment of the insured between different co-ordination areas in the city will not be refunded, and their personal accounts will be merged according to regulations.

IV. The insured units or individuals who meet the conditions for refund shall be handled according to the following procedures:

(1) The units or individuals shall apply for refund to the medical insurance agency in the place where they are currently insured, fill in the Application Form for Refund of Medical Insurance for Insured Units (Individuals) (Annex 1), explain the reasons for applying for refund and provide relevant supporting materials.

(2) The medical insurance agency in the place where the application is accepted will review the refund of the application, and send it to the medical insurance agency in the place where the overpayment occurs to review the refund items and amount. For those who meet the requirements, the medical insurance agency at the place of acceptance shall report to the local Human Resources and Social Security Bureau and the Finance Bureau for examination and approval (except for items 1 and 2 of Article 1 (1) of this notice and item 4 of Article 1), and inform the applicant or individual of the relevant reasons for those who do not meet the requirements.

(3) The refund approved by the local human resources and social security bureau and the Finance Bureau shall be paid to the applicant unit or individual through the social security card with financial function or the designated bank account in time within the month. Among them, the refund of overpayment in the current year shall be withdrawn by the collecting households to offset the income of the current year; In previous years, the refund of overpayment was withdrawn from the financial special account and listed as other expenses.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.