網上醫保將清算三個月，這意味著連續繳費年限不會清零，職工個人醫保賬戶裏的錢也不會清零，累計繳費年限也不會清零。根據《中華人民共和國社會保險法》若幹規定的實施情況，《中華人民共和國社會保險法》第七條、《中華人民共和國社會保險法》第二十七條規定，退休人員享受基本醫療保險待遇的年限，按當地規定執行。參加職工基本醫療保險的個人，基本醫療保險關系轉移繼承時，基本醫療保險繳費年限累計計算。

另外其投保即享16%保費折扣，是目前市場上少有的自願醫保計畫，同時其稅務扣減是根據政府每名受保人每年上限8,000 港元，讓您及家人在自願性醫保選擇同時，獲得稅務扣減，減輕每年繳納保險費用開支也能享受多重保障利益。續保且按當地政策重新計算連續繳費時間超過3個月的，連續繳費期限為2個月，連續繳費期限不計入連續繳費期限。累計繳費年限對參加職工醫療保險的參保人非常重要，累計繳費年限達到10至30年(各地政策不同)。達到法定退休年齡時，不需要繳納醫療保險費，享受醫療保險待遇。由於居民醫保每年繳納一次，無需計算累計繳費年限。部分地方醫保連續繳費年限與醫保待遇掛鉤，鼓勵城鎮失業居民參保並提前連續繳費。

各地政策普遍規定，在遣散費支付後3個月內續保的，視為續保，可在次月正常享受醫保報銷待遇。如果您停止支付超過3個月，然後續保，您將被視為重新投保。將有3-6個月的等待期(政策因地而異)。在此期間，您將不能享受醫療保險報銷。等待期過後，根據重新參保享受醫保待遇，並重新計算連續繳費時間，中斷繳費前的繳費年限可計入累計繳費年限。職工因單位原因中斷醫保繳費的，由單位補繳；職工因個人原因中斷繳費的，可以根據當地政策自主選擇是否補繳。

簡單來說，職工醫保下個月不能報銷醫保，3個月內可以續保，次月可以正常使用，視為連續參保；超過3個月有3-6個月等待期，等待期不能報銷醫保，視為再保險，重新計算連續參保年限。居民醫療保險和我們大多數職工支付的醫療保險是有區別的。居民醫保全稱為城鎮居民基本醫療保險：參保對象：具有城鎮戶籍的失業居民、在校大學生和未成年人均可繳納居民醫保；繳費標准：不設定最低繳費年限，按年繳費，不繳費不能享受醫療待遇；不能由居民和政府共同繳納保險費。繳費辦法由當地社會保障局辦理。

相關文章：

醫保目錄包括醫保藥品目錄

新參加醫療保險或者停職3個月以上的人員

三項基本醫療保險的繳費方式不同

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