After unemployment, individuals can pay their own medical insurance. Individual industrial and commercial households without employees, part-time employees and other flexible employees can participate in the basic medical insurance for employees and pay insurance premiums according to the standards set by the state. Unemployed and not receiving unemployment benefits, workers need to pay basic old-age insurance premiums and basic medical insurance premiums to social security fee collection agencies; If during the period of receiving unemployment insurance benefits, the maternity insurance foundation will pay the medical insurance premium on its behalf, but the old-age insurance premium still needs to be paid by individuals. In addition, the unemployed can also choose to pay social security through human resources companies. This method usually needs to pay a certain service fee and a fixed social security fee, but it can get more comprehensive protection.
Provisions on payment of medical insurance premiums after unemployment:
1, personal qualification review: unemployed people need to apply to social insurance agencies to confirm their unemployment status;
2. Determination of payment standard: according to the average wage of local society and the payment base of individuals in the previous year, determine the medical insurance premiums that individuals should pay;
3. Choice of payment method: individuals can choose bank withholding, online payment or on-site payment at designated places to pay medical insurance premiums;
4. Payment prescription requirements: individuals should complete the payment of medical insurance premiums within the specified time, so as not to affect the enjoyment of medical insurance benefits;
5. Conditions for treatment: Only individuals who pay medical insurance premiums in full and on time can enjoy medical insurance benefits when seeking medical treatment.
To sum up, the unemployed can choose to pay their own medical insurance fees, or pay social security fees through human resources companies to get more comprehensive protection.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 48
During the period of receiving unemployment insurance benefits, the unemployed participate in the basic medical insurance for employees and enjoy the basic medical insurance benefits. The basic medical insurance premiums payable by the unemployed are paid from the unemployment insurance fund, and individuals do not pay the basic medical insurance premiums.