For urban employee medical insurance, the main recipients of social security payment are urban employees on the job. Freelancers can participate in employee medical insurance with their personal information. For urban employee medical insurance, unit employees generally pay monthly fees, and the unit employees themselves pay the fees in proportion. The overall deposit ratio is 8%, of which the employer company's deposit ratio is 6%, with the total salary of the company's employees as the deposit base; the employee's individual deposit ratio is 2%, with the individual's actual income as the deposit base. The unit collects and remits it from its own salary.

There is no lock-in period for unit employees who pay employee medical insurance, regardless of whether it is the first payment of social security. That is, after paying the fee in this month, they can enjoy the medical insurance reimbursement of wages in the next month. If the payment is suspended for three months Within this period, repayment is also allowed. As long as the repayment is made immediately, even the medical expenses incurred during the severance period can be reimbursed by the medical insurance fund; if the severance lasts for more than three months, The medical insurance expenses for these three months are allowed to be repaid, but the hospitalization expenses incurred during this period cannot be reimbursed. The payment period of medical insurance can be calculated as the continuous payment period, so within three months and after three months, this Time boundaries are important.

If the medical insurance is discontinued for more than 6 months, it does not fall within the scope of repayment and is regarded as repayment. Repayment means that the payment period cannot be continuously calculated, only the calculation is cumulative. The payment period, but for employees, even if the relationship is broken for more than 6 months, except that the payment period cannot be continuously calculated, there is still no lock-in period in terms of medical insurance reimbursement and salary benefits. The same is that after paying this month, the next You can enjoy the salary reimbursement benefits from medical insurance every month.

If a freelancer pays for employee medical insurance, according to the relevant regulations in most areas, there will be a lock-in period, which is also called a waiting period in some places. That is to say, after you pay the fee, you must wait six months before you can enjoy medical insurance reimbursement. For example, medical insurance paid in January this year will have to wait until July this year to gradually enjoy medical insurance reimbursement benefits.

Freelancers pay medical insurance based on the average monthly income of employees in the previous year as the payment base. The payment ratio is 8%. Flexible staff are responsible for all payment amounts. In some places, Payment is made according to the payment level stipulated by local medical insurance. Payment methods can be adopted on a monthly or annual basis. For example, Chengdu, Sichuan, pays on a monthly basis, and Chongqing, pays on a yearly basis. For monthly payments, if the bank account for collection and payment does not have a certain amount of funds for payment, the relationship may be terminated. According to the current year's payment, if there are not enough funds in the month of centralized deduction, the relationship may be terminated.

The standards for the time for freelancers to stop paying for medical insurance are the same as the requirements for employees to pay for medical insurance. However, if a freelancer stops paying for medical insurance for more than six months, the relevant regulations in many places are that they must have six The monthly waiting period is actually the same as the first payment feature, so the time concepts of within three months, beyond three months, and six months also need to be paid great attention to.

Urban and rural residents’ critical illness insurance is paid according to the annual payment method. The period of centralized payment is from September 1st to December 20th of each year. If the payment is concentrated during this period, Failure to pay medical insurance on time will be regarded as discontinuation of payment. After the severance of diplomatic relations, if you then pay again in January at the end of the year, it will be classified as a make-up payment. There must be a waiting period of three to six months before medical expenses can be reimbursed. Chengdu requires three months, and Luzhou, Sichuan requires six months; if the diplomatic relations are severed, If the medical insurance lasts for more than one year, for example, if you do not pay for medical insurance in 2021, and then pay again in 2022, it is also called breaking off the medical insurance. If you pay after the medical insurance is broken off, there will be a six-month waiting period in Luzhou, Sichuan.

In general, the severance of medical insurance, whether it is employee medical insurance or urban and rural residents’ medical insurance, will have a serious impact on personal rights and interests. There is almost no harm to the individual if an active employee only needs to make up the payment immediately after breaking off the relationship. If the personal payment is broken off for more than six months in total, there will be a waiting period for the repayment. Even if there is a waiting period, the only way to save medical insurance is to make up the payment immediately after the breakup. Method.