1. The medical insurance card stopped, but the money in the personal account of the medical insurance card can still be used, can only be used to buy drugs and outpatient visits, if the disease is hospitalized, is not entitled to reimbursement of medical insurance, to be self-funded.
2. There is a 3-month buffer period for medical insurance from the date of stopping payment, and if this period is exceeded, the number of years of payment should be recalculated, and it is also regarded as an interruption of enrollment, and if you apply for enrollment again after interruption of enrollment, you need to pay for 6 consecutive months before enjoying the medical insurance treatment again. In addition, medical insurance can generally be interrupted three times, otherwise also have to re-accumulate the years of payment.
The reimbursement levels for inpatient and outpatient care alone, with or without a health insurance card, are very high for inpatient and outpatient care, increasing the burden of care on the sick. But no matter what the reimbursement rate is, it makes it affordable for a lot of people to be able to afford to stay in the hospital, which largely reduces the financial burden on the people themselves and their families.
It is the implementation of health insurance, hospitals are able to use more advanced medical equipment for diagnosis of diseases, and we can also use better medical conditions, including examination equipment, experts; choose better and more expensive drugs for disease treatment, and the generation of these, but also accompanied by an increase in medical costs. Of course, there is no lack of some bad phenomenon, such as: the quality of doctors, hospitals excessive pursuit of profit and so on and lead to increased costs.
All in all, health insurance allows us to use better and more expensive medicines for treatment, and also makes it affordable for us to stay in the hospital, which reduces our financial burden to a certain extent.
Legal basis
The Chinese people*** and the State Social Insurance Law
Article 23 Employees shall participate in the basic medical insurance for employees, by the employer and the employee in accordance with the provisions of the State*** with the payment of basic medical insurance premiums.
Individual industrial and commercial households without employees, part-time employees who do not participate in the basic medical insurance for employees at their employing units, and other flexibly employed persons may participate in the basic medical insurance for employees, and shall pay the basic medical insurance premiums in accordance with the State regulations.
Article 27 Individuals who have participated in the basic medical insurance for employees and who have paid contributions for a total of the years prescribed by the State when they reach the legal retirement age shall not pay any more basic medical insurance premiums after their retirement, and shall enjoy the basic medical insurance benefits in accordance with the State regulations; if the accumulated contributions do not reach the State's prescribed number of years, they may pay contributions for as long as the State's prescribed number of years.
Article 28 Medical expenses that conform to the basic medical insurance drug list, diagnostic and therapeutic items, standards of medical service facilities, as well as those for emergencies and resuscitations, shall be paid out of the basic medical insurance fund in accordance with the state regulations.
Article 29 The portion of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be settled directly by the social insurance administration organization with the medical institutions and drug business units.
The administrative departments of social insurance and the administrative departments of health shall establish a system of settlement of medical expenses for medical treatment in other places to facilitate the enjoyment of basic medical insurance by insured persons.