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Q&A of China's Medical Security Law 2027 (3)
| Q: |
For older on-the-job employees who are less than 5 years away from retirement, can the enterprise refrain from paying their medical insurance? |
| A: |
No. As long as a genuine labor relationship exists, the enterprise must legally enroll the employee in medical insurance regardless of their age or remaining payment years. |
| Q: |
Will there be any impact if the medical insurance payment base is inconsistent with the individual income tax declaration data? |
| A: |
Yes. The new Medical Insurance Law stipulates that medical insurance premiums are uniformly collected by tax authorities. Inconsistent bases will easily trigger early warning inspections by tax and medical insurance departments. |
| Q: |
After an employee's medical insurance is discontinued, will their medical insurance benefits be suspended immediately? |
| A: |
In most regions, employee medical insurance benefits are suspended from the month after the discontinuation, while some regions set a 1-3 month grace period for benefit enjoyment. |
| Q: |
When the medical insurance department conducts an on-site inspection, can the enterprise refuse to cooperate? |
| A: |
No. The employing unit must cooperate with the supervision and inspection of the medical insurance department, and may not refuse, obstruct the inspection or conceal relevant materials. |
| Q: |
If an enterprise violates medical insurance regulations, will it affect the enterprise's credit record? |
| A: |
Yes. The new Medical Insurance Law has officially established a medical insurance credit management system for employers, and violations will be directly recorded in the enterprise's medical insurance credit file. |