Recently, everyone is paying medical insurance for urban and rural residents to their families, and many people want to pay an extra medical insurance for themselves in order to avoid social security cutsSome friends also think about whether they can reimburse two medical expenses by paying two social security payments, and even receive an extra pension after retirement.
Everyone should pay attention to the fact that it is not advisable to re-pay social security, and it is even suspected of insurance fraud.
Duplicate social security payments are invalid
Duplicate enrollment refers to:The same insured person repeatedly participates in the same basic medical insurance system or repeatedly participates in different basic medical insurance systems, which is specifically manifested in the same time period when the same insured person has two or more insurance information records with normal insurance payment status.
Here's an example:
Xiao Wang works in Beijing, and the company has paid social security for him, but recently Xiao Wang's parents have paid him medical insurance for urban and rural residents in his hometown.
Then Xiao Wang is a duplicate insurance.
In fact, as early as 2020, the "Guiding Opinions of the National Health Insurance Administration, the Ministry of Finance, and the State Administration of Taxation on Strengthening and Improving Basic Medical Insurance Participation" issued by the National Health Insurance Administration clearly mentioned itOrderly clean-up of duplicate enrollment.
Original policy: However, due to the lack of uniformity of information systems in various places, there are problems in many areas such as cross-system duplicate insurance (i.e., repeated participation in the cross-employee medical insurance system and resident medical insurance system by the insured) and duplicate insurance within the system (i.e., repeated insurance in the employee medical insurance system and resident medical insurance system).
So for almost two years,Many local medical insurance bureaus have listed cleaning up duplicate insurance as an annual key task.
So how do you check if you have paid medical insurance repeatedly?
Fish Koho is hereGuangdong Province as an exampleLet me show you how to check whether you have repaid your medical insurance:
1. Scan the *** below to enter the "Guangdong Medical Insurance" applet.
2. Select the place of insurance that needs to be queried, and click "Insurance Status" to inquire.
Duplicate enrollment is not eligible for double treatment.
It may also be suspected of insurance fraud
For most people, repeated payment of social security is to enjoy multiple treatments, such as social security is linked to policies such as buying a car and buying a house, but some people listen to rumors and thinkIf you pay social security twice, you can enjoy double treatment.
The Supreme People's Court has released a case of being sentenced for repeatedly paying social security to reimburse medical expenses:
Basic facts of the case
From December 2014 to August 2016, Liu was admitted to Shanghai Hospital and Anhui Provincial Hospital respectively due to liver disease, and the medical expenses incurred by him in his hospitalization were reimbursed through the urban and rural basic medical insurance management center in a certain region. Liu knew that his medical expenses had been reimbursed, but he still used the method of forging medical bills to reimburse medical expenses repeatedly, and successively reported his medical expenses through a local medical insurance ** management center six times, defrauding medical insurance money 9More than 90,000 yuan.
Adjudication Results
The court held at trial that the defendant Liu had the purpose of illegal possessionFabricating facts, concealing the truth, and defrauding medical insurance premiums in huge amounts have constituted the crime of fraud. Liu X was orally summoned to the case by the public security organs, truthfully confessed his crime, voluntarily pleaded guilty in court, and had circumstances of voluntary surrender, and his punishment may be commuted in accordance with law. Actively withdraw stolen money, and may be given a lighter punishment as appropriate. Accordingly, Liu was sentenced to two years imprisonment, suspended for three years, and fined 10,000 yuan for fraud in accordance with the law.
So everyone should pay attentionDuplicate enrollment cannot be repeated to enjoy medical insurance benefits. According to your own situation, you should retain one insurance relationship and terminate other duplicate insurance relationships.
What should I do if I am enrolled repeatedly?
Can I apply for a refund?
1. What are the principles for dealing with duplicate insurance?
1. If you repeatedly participate in the employee medical insurance, in principle, you will retain the insurance relationship at the current place of employment
2. Those who repeatedly participate in the medical insurance for urban and rural residents shall retain the insurance relationship of their permanent residence in principle;
3. If the student repeatedly participates in the insurance, in principle, the insurance relationship of the place of student registration shall be retained
4. If the employee has repeatedly participated in the insurance across the system and has participated in the employee medical insurance for more than one year (including one year), the employee medical insurance participation relationship shall be retained in principle.
2. What should I do if I have been repeatedly enrolled?
1. If you have been insured in one region and need to re-enroll in another region, you need to go back to the medical insurance agency in the original place of household registration (or place of insurance) to go through the "suspension" procedures. The "suspension" of the employee medical insurance participated in the unit shall be handled by the original insured unit.
2. Students who go out from their hometown to attend university in other cities and participate in the local medical insurance of the school need to "pause" the local medical insurance first.
3. Can I get a refund after repeated insurance?
After the insured person pays the medical insurance premiums for urban and rural residents, if he or she dies, pays repeatedly, participates in the employee medical insurance or participates in the resident medical insurance in other co-ordinated areas before entering the treatment period, he or she may terminate the relevant resident medical insurance participation relationship at the same timeRefund for individuals upon application. After the start of the treatment period, if the residents' medical insurance participation relationship is suspended, the individual payment will not be refunded.
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Prepared: December 12, 2023.