In recent years,
Insured persons may have repeated insurance as they go to school or find employment
Repeated insurance has not only increased the personal payment burden
also increased the financial invalid subsidy
also increased the financial subsidy
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Insured persons should retain an insurance relationship according to their own situation
retain a insurance relationship
Terminate other repeated insurance relationship
1. What is repeated insurance?
Repeated insurance refers to the same insured person who repeatedly participates in the same basic medical insurance system (repeated insurance within the system) or participates in different basic medical insurance systems (repeated insurance across systems), which is specifically manifested as the same insured person having two or more records of insurance and payment status in normal insurance in the same time period.
2. What are the types of repeated insurance?
(I) Repeated insurance participation in the system: that is, participation in the medical insurance of employees in two places and above at the same time, or the medical insurance of urban and rural residents in two places and above.
Common situations for repeated participation in employee medical insurance: the insured person pays employee medical insurance by himself as a flexible employment status in his hometown, but he joins the employee medical insurance with the unit during the middle of his employment.
Common situations for repeated participation in urban and rural residents' medical insurance: the insured person participates in urban and rural residents' medical insurance at his or her registered place and his or her permanent residence, or the students participate in urban and rural residents' medical insurance at his or her registered place and his or her registered place respectively.
(II) Repeated insurance participation across systems: that is, participation in the medical insurance of employees in two places and above and urban and rural residents' medical insurance at the same time.
Common situations: Insured persons participate in employee medical insurance at the unit, but in their hometown, they participate in urban and rural residents' medical insurance.
3. Which groups of people do repeated insurance mainly occur in
?
Repeated insurance issues mainly occur among mobile personnel across provinces and systems.
Some people who have participated in the work across provinces have participated in urban and rural residents' medical insurance in their hometowns, and then participated in the employee medical insurance in their place of employment.
There are also some migrant workers and students who go to school in other places who are not sure about their insurance participation, which has led to repeated insurance participation.
4. What are the principles for dealing with repeated insurance participation?
who repeatedly participate in employee medical insurance will retain the insurance relationship of the current place of employment;
who repeatedly participate in urban and rural residents' medical insurance will retain the insurance relationship of the permanent residence in principle;
who repeatedly participate in employee medical insurance will retain the insurance relationship of the place of study in principle;
who repeatedly participate in employee medical insurance and participate in employee medical insurance for more than one year (including one year) shall retain the insurance relationship of the employee medical insurance.
55. Can you refund the fee after repeated insurance?
If an insured person pays the medical insurance premiums for urban and rural residents and fails to enter the benefits enjoyment period due to death, repeated payment, participation in employee medical insurance, or participate in resident medical insurance in other coordinated areas, he or she may apply for a refund for the individual upon application while terminating the relevant medical insurance participation relationship of residents. If the resident medical insurance participation relationship is suspended after the benefits enjoyment period begins, the personal payment will no longer be refunded.
It is worth noting that according to relevant laws and regulations, repeated participation in insurance cannot be repeated enjoyment of medical insurance benefits. Insured persons should retain an insurance relationship based on their own circumstances and terminate other duplicate insurance relationships.
6. What should I do if I have repeatedly participated in insurance?
(I) If you have participated in insurance in one region and need to re-enter the insurance in another region, the insurance relationship of the original registered place (or the place of insured) must be "suspended". Xiaobao reminds everyone that the "suspended" of the medical insurance for employees participating in the unit must be handled by the original insured unit.
(II) Students who go out from their hometown to other cities to attend college and participate in local medical insurance must first "suspend" their local medical insurance.
Source: Dongying Medical Insurance, Guangdong Medical Insurance, Internet (If there is any infringement, please contact us to delete it)
