辞职保险断了怎么办

在当今的职场环境中，辞职是一个常见的现象。然而，辞职后保险断了可能会给个人带来一系列的问题和困扰。那么，当面临这种情况时，我们应该如何应对呢？

首先，我们需要明确辞职后保险断缴可能带来的影响。社保中断可能会影响到医保待遇的享受，在中断后办理参保手续并连续缴费满 6 个月后，方可享受医保待遇。三个月内补缴的，从补缴的次月起享受医保待遇。

接下来，我们来探讨一下应对的方法。辞职后，单位就停止缴纳社保的，可以个人名义交纳。也可以寻找新的就业单位，请新单位帮忙补交，补交费用需要自己出。

如果选择个人名义缴纳社保，养老保险方面，个人可以参加，带上养老保险的手续，每年当当地省社会平均工资下来后，直接去养老保险经办中心算费，并按本人的情况根据不同的标准缴纳就可以了。失业、工伤、生育这 3 种保险只针对于单位，也就是说个人无法参加。以前如果缴纳了失业保险金，只要不是自己主动辞职，就按单位办理失业保险的相关手续，领取失业保险金。医疗保险方面，这个保险是当年参加，保当年的，不牵扯续保的问题。而个人参加要根据本人的户口属性，参加城镇居民医疗保险或农村合作医疗保险。城镇医疗保险手续办理及缴费可以在当地的医疗保险经办中心办理，农村合作医疗保险可以到当地的农村合作医疗办进行办理。

如果不想找工作，想从事自由职业，但又不是本地户口，可以寻找专业代办代缴社保的公司，帮忙连续不间断的缴纳社保。

此外，在辞职前，我们应该向公司的人力资源部门了解自己的保险情况，包括保险类型、保险期限、保险金额等。这样，在辞职后我们就能够知道自己的保险何时终止，以及需要购买哪些保险。

我们还可以考虑购买个人保险。个人保险是指由个人自主购买的保险，包括医疗保险、意外保险、重疾保险等。购买个人保险可以为我们提供更全面的保障，让我们在遇到意外或疾病时能够得到及时的治疗和赔偿。

总之，辞职后保险断了并不可怕，只要我们提前做好规划，了解相关政策和应对方法，就能够有效地解决这个问题，保障自己的权益。

What to Do When Insurance is Disrupted after Resignation

In today's workplace environment, resignation is a common phenomenon. However, the disruption of insurance after resignation may bring a series of problems and troubles to individuals. So, when facing this situation, how should we deal with it?

Firstly, we need to be clear about the possible impacts of insurance disruption after resignation. The interruption of social security may affect the enjoyment of medical insurance benefits. After the interruption, it is necessary to complete the insurance participation procedures and continuously pay for six months before enjoying the medical insurance benefits. If the payment is made up within three months, the benefits can be enjoyed from the following month of the payment.

Next, let's discuss the coping methods. After resignation, if the unit stops paying social security, it can be paid in the individual's name. You can also look for a new employer and ask the new unit to help make up the payment. The payment for the make-up needs to be borne by yourself.

If you choose to pay social security in your own name, for endowment insurance, individuals can participate. Bring the endowment insurance procedures. When the local provincial average salary comes out each year, you can directly go to the endowment insurance handling center to calculate the fee and pay according to your situation and different standards. Unemployment, work-related injury, and maternity insurance are only for units, that is, individuals cannot participate. If you have paid unemployment insurance premiums before, as long as you did not resign voluntarily, you can go through the relevant procedures for unemployment insurance according to the unit and receive unemployment insurance benefits. For medical insurance, this insurance is for the current year. There is no issue of renewal. For individual participation, you need to participate in urban resident medical insurance or rural cooperative medical insurance according to your household registration status. The procedures and payment for urban medical insurance can be handled at the local medical insurance handling center, and rural cooperative medical insurance can be handled at the local rural cooperative medical office.

If you don't want to look for a job and want to engage in freelancing but are not a local resident, you can look for a professional company that handles and pays social security on behalf of others to help you pay continuously and uninterruptedly.

In addition, before resignation, we should ask the human resources department of the company about our insurance situation, including insurance types, insurance periods, insurance amounts, etc. In this way, after resignation, we will be able to know when our insurance terminates and which insurances need to be purchased.

We can also consider purchasing personal insurance. Personal insurance refers to insurance purchased independently by individuals, including medical insurance, accident insurance, critical illness insurance, etc. Purchasing personal insurance can provide us with more comprehensive protection so that we can receive timely treatment and compensation when encountering accidents or diseases.

In conclusion, it is not terrifying when insurance is disrupted after resignation. As long as we plan in advance, understand relevant policies and coping methods, we can effectively solve this problem and protect our rights and interests.