It is false news that "the suspension of social security payments will cause the balance of the medical insurance card to be cleared" spread online.
Taking Shanghai as an example, during the payment period, if the medical insurance payment is stopped, the personal medical insurance account will not be "cleared". As long as there is a balance in the medical insurance card, you can still use the medical insurance card to visit the outpatient and emergency department in the medical insurance hospital and purchase medical insurance drugs in the medical insurance pharmacy.
, until the balance is exhausted.
If you want to resume normal medical insurance benefits, just resume payment.
In addition, if the employer and its employees have paid medical insurance premiums for more than 15 years in total (including the deemed payment period), the employees can enjoy basic medical insurance benefits after retirement.
The 15 years here are "cumulative" rather than "continuous".
Extended information: Personal medical insurance accounts will not be cleared, but the scope of payment is limited and cannot be cashed out.
Employee medical insurance implements a system of pooling and individual accounts, and after one year of continuous contributions (15-25 years), you can enjoy benefits without paying fees when you retire.
After three months of suspension of payment, the calculation of the payment period for the overall account needs to be restarted, and the original payment period will be cleared.
However, some areas also allow supplementary contributions during retirement. Once the number of continuous contributions has been reached, the money in the personal account belongs to you and will not be cleared.
The personal account of the medical insurance card belongs to the individual, but in addition to personal payment, the fund structure also includes the part transferred from the overall fund. Therefore, it needs to be used strictly in accordance with the payment scope of the personal account, and no cash or exchange of items is allowed.