Medical insurance accounts can be closed for as short as three months and as long as six months. Social medical insurance reimbursement is after discharge or transfer.
"People's Republic of China (PRC) Social Insurance Law" Article 29 The part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.
Settlement procedures for hospitalization and outpatient treatment of special diseases: Before 10 every month, the designated medical institutions will report the expense list, hospitalization list and related materials of the patients discharged last month to the medical insurance agency, which will be used as the basis for monthly pre-allocation and year-end final accounts after examination; The medical insurance agency pre-allocated the hospitalization and outpatient co-ordination expenses for special diseases last month; Insured persons who have been identified as suffering from special diseases shall go to the designated medical institutions designated by the labor and social security departments for medical treatment and medicine purchase, and the medical expenses incurred shall be directly recorded and settled immediately. Emergency settlement procedure: the medical expenses incurred by the insured in emergency rescue to non-designated medical institutions in the city and medical institutions in different places shall be paid in advance by individuals or units. After the emergency rescue, the medical insurance agency shall go through the reimbursement procedures according to the provisions with the hospital emergency medical records, inspections, laboratory tests, invoices and detailed list of medical expenses.
The time when the annual medical insurance payment reaches the account: This is related to the time when the party's unit completed the social security audit this year, the work efficiency and process of the social security institution, and cannot be generalized. 1. After the local government announced the average salary of employees in the previous year, the social security determined the upper and lower limits of the local payment base for this year, and the social security payment base for social security participants and employers was determined by each employer within the payment base range determined by this year's social security. 2. After receiving the company's data information, Social Security will conduct an audit. After passing the examination, the employer completes the annual examination, and the social security agency confirms its payment base; 3. The social security agency shall determine the specific amount of the client's account according to the annual payment base of the client and the local age ratio of the client; 4. After the social security performs the examination and approval procedures, the increased amount will be included in the medical insurance card of the party concerned.