居民医保断缴后有哪些影响？这7个问题一定要了解

Group 1 - The article discusses the medical insurance treatment waiting period, which requires insured individuals to bear medical expenses incurred during this period themselves [3] - There is no direct provision for a waiting period in the Social Insurance Law of the People's Republic of China, but most regions have implemented it in practice for those who have interrupted or not participated in the insurance [3] - The average reimbursement for hospitalization is 4,437 yuan, and without a waiting period, individuals might choose to enroll only after falling ill, harming the interests of all insured [3] Group 2 - Starting from 2025, a fixed waiting period of 3 months will be established for those who have not continuously participated in the insurance, with an additional variable waiting period of 1 month for each year of interruption [4] - Insured individuals can reduce the variable waiting period by paying additional fees, with each extra year of payment reducing the waiting period by 1 month [4] - The fixed waiting period cannot be repaired to prevent individuals from enrolling after becoming ill, which would unfairly benefit them at the expense of continuous participants [4] Group 3 - The waiting period policy will not affect individuals who have not participated in insurance before 2025, as the new policy will only take effect for payments made in 2024 and onwards [4]