Users should deal with this situation in time. Naturally, in several cases of double insurance, the double insurance relationship should be terminated immediately while retaining the insurance relationship. If there is repeated medical insurance, it is necessary to understand the insurance regulations in time and prepare for surrender to avoid losses.
A, the insured individual one-time payment of medical insurance premiums, audited in line with the conditions of enjoying preferential rates of medical insurance and financial subsidies, if the insured has paid in accordance with the provisions of the payment base and proportion, can apply for a refund of the benefits and subsidies that should be enjoyed.
Second, if not in accordance with the provisions of the payment base and the proportion of payment, should according to the county before the municipal co-ordination payment standard, the county medical insurance agencies approved the refund amount, and put forward a refund application. After being audited by the Human Resources and Social Security Bureau and the Finance Bureau, it shall be reported to the Municipal Social Security Bureau for review. After being approved by the Municipal Human Resources and Social Security Bureau and the Municipal Finance Bureau, the fee can be refunded.
Three, individual insurance according to the annual normal payment, audited in line with the preferential policies of medical insurance, but to the insured or death of employees, according to the amount of preferential policies of medical insurance.
4. During the period of receiving unemployment insurance benefits, the individual insured has been insured and paid by the unemployment insurance agency, and at the same time participated in the employee medical insurance as an individual, resulting in repeated payment. I can apply for refund of the fees paid by individuals during the repetition period in the following year.
However, medical insurance will not be refunded under the following circumstances
First, the insured pays medical insurance premiums in more than two insured units at the same time, and the medical insurance premiums paid by their units will not be refunded, and individual accounts will be merged.
Two, the insured in the same period to participate in medical insurance for employees and residents, the duplicate payment will not be refunded.
Three, before the annual social wage is announced, the unit stops or transfers the medical insurance relationship for it. After the social wage is announced, its employees' medical insurance contributions and personal accounts will no longer be liquidated and refunded.
Four, individual insured or urban and rural residents medical insurance insured voluntarily choose to pay according to the first file and the second file, and shall not be required to return the paid medical insurance premiums in the name of surrender or file.
Five, individual insurance according to a standard annual payment, and died in the insurance period, into the overall fund, large medical insurance premiums will not be refunded.
Six, municipal co-ordination, the insured in different parts of the city will not be refunded, and their personal accounts will be merged according to regulations. It is recommended to consult the local social security bureau whether it is possible to surrender.
legal ground
People's Republic of China (PRC) social insurance law
Article 25
The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.
Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.
Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.
Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.
Article 90 If the social insurance premium collection agency arbitrarily changes the base and rate of social insurance premium payment, resulting in underpayment or overpayment of social insurance premium, the relevant administrative department shall order it to recover the social insurance premium that should be paid or refund the social insurance premium that should not be paid; The directly responsible person in charge and other directly responsible personnel shall be punished according to law.