When an insured person dies, his or her medical insurance is handled as follows:
1.The relatives of the insured person need to provide the identity certificate, death certificate and cremation certificate of the insured person. Then, the insured unit fills in the application form for termination of social insurance relationship and goes to the medical insurance center to go through the procedures for terminating the social insurance personal account.
2.After review and approval, all the balance in the account before the month of the insured's death will be returned to the account of the insured's unit. The balance returned in this part is regarded as an inheritance, and then issued by the insured unit to the legal heirs or designated beneficiaries of the insured.
3.If the heir is not enrolled in basic medical insurance, the amount saved in the personal account can be paid to the heir in a lump sum. In the absence of heirs, the amount stored in the personal account will be included in the basic medical insurance pool**.
4.According to the relevant regulations, after the death of a person who participates in the basic pension insurance for employees, the balance of his personal account can be inherited. In addition, the surviving family members receive a funeral grant and a bereavement pension, which are covered by the basic pension insurance**.
When dealing with these matters, it is advisable to consult with the local social security agency or relevant departments in detail to ensure that all formalities are in order.