Personal medical insurance cannot be paid if it is interrupted for more than 3 months.
If the break-off is caused by the unit, the unit can handle the overdue payment for the employee. Employers are allowed to pay back medical insurance for no more than two years, and the years after payment can be calculated together. Among them, the supplementary expenses shall be borne by the employer.
When the number of years of social security contributions for those who are about to retire or are going through retirement procedures is insufficient, they can pay them back.
Legal basis: People's Republic of China (PRC) Social Insurance Law.
Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.
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-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.