First, how to deal with the disappearance of medical insurance for one year
Many residents miss the payment time for various reasons every year. If the medical insurance premium is not paid this year, the medical expenses incurred next year will not be reimbursed.
September and 10 every year are the time for registration and renewal. If you pay this year, you can enjoy the reimbursement policy next year. Once you miss this time, you can't pay the fee, so you can only join the insurance again at the same time the next year.
Urban residents' medical insurance payment for one year, guarantee for one year. To this end, the public must go to the local community to handle the insurance payment procedures within the specified time, and the students or children of the school (kindergarten) will handle it on their behalf. If they miss the payment period, they will not be reissued.
Therefore, if you didn't pay the medical insurance fee in that year, you can't enjoy the medical insurance treatment in that year. If you pay, you will enjoy the treatment, but if you don't pay, you won't enjoy it. Generally, you can't enjoy medical insurance after paying off for more than 3 months. If you pay it off in one year, you don't have to pay it back. You can pay directly from now on, and you can enjoy medical insurance benefits after 3 months.
Two, the policy of urban residents medical insurance payment for one year.
"Urban residents' medical insurance, payment for one year, guarantee for one year. Residents who fail to apply for insurance and renewal in time within the specified time will not enjoy medical insurance benefits next year. Medical insurance for urban residents starts from September 1 and ends on October 3 1.
/kloc-the individual payment standard for residents above 0/8 is 100 yuan.
Last year 18-year-old residents paid 1 10 yuan, and this year's payment standard is 100 yuan. I understand that compared with last year, the payment standard for residents has been adjusted this year. The payment standard for primary and secondary school students and residents under 18 years old is 30 yuan; /kloc-students and children under the age of 0/8 who enjoy subsistence allowances and severe disabilities, and minors from low-income families do not pay fees; 18 years old, paid by people over 60 from low-income families, severely disabled people and low-income families 10 yuan.
From September 1 day every year, the insured person should go to his community or school to apply for insurance and renewal. Newborns who meet the national birth policy can apply for insurance at the mother's insurance place at any time within 60 days after birth.
The new insured shall provide the original ID card 1 copy, color photo 1 copy or 2-inch photo. The renewal person provides his name, medical insurance code or ID number to the community or school.
In addition, the original and photocopy of relevant documents are required for new insurance or renewal.
Third, the role of participating in medical insurance.
What kinds of medical insurance are there?
The current basic medical insurance system in China includes the basic medical insurance system for urban workers, the new rural cooperative medical system and the basic medical insurance system for urban residents. The basic medical insurance for urban workers shall be paid by employers and individual workers in accordance with state regulations, and a medical insurance fund shall be established. After the insured person has medical expenses, the medical insurance agency should give certain economic compensation to avoid or reduce the economic risks caused by illness and treatment. The new rural cooperative medical system and the basic medical insurance for urban residents shall be combined with individual contributions and government subsidies, and the treatment standards shall be implemented in accordance with state regulations. In addition, the types of medical insurance in China also include commercial medical insurance, subsidized medical insurance, fee medical insurance and public medical care.
What are the benefits of participating in medical insurance?
Basic medical insurance enables the insured to choose designated hospitals or community medical institutions for medical treatment, with a wide range of choices, and respects the autonomy and choice of the insured when seeking medical treatment.
The basic medical insurance implements computer network management services, simplifies medical procedures and provides convenient and fast services. Only a small part of the deposit that should be borne by individuals is paid in advance for hospitalization, and the rest is settled by social medical insurance centers and designated medical institutions.
The personal medical account established by the basic medical insurance belongs to the individual, and the balance of the account is regarded as bank deposit and bears interest, which can save some funds for the insured, and can be transferred with the insured when the insured is transferred, and can be inherited by his legal heir after the insured dies.
Basic medical insurance treats the insured equally, and respects and protects the health rights and interests of the insured. The insured person will not delay medical treatment because of the economic downturn of the unit, and there will be no arrears in reimbursement of the insured person.
The basic medical insurance shares the risk of all medical expenses borne by the state, enterprises or individuals. Through the implementation of the economic mutual insurance system, the basic medical care of the insured has been effectively guaranteed.