Health Insurance: What You Need to Know?
Before this year, some significant changes in medical coverage were received. It is acceptable to be acquainted with the law and follow its adjustments, so you know about your privileges and commitments consistently.
First of all, you can generally check your medical coverage status on the NRA site (National Revenue Agency) or by telephone by entering your PIN in the two cases.
Furthermore, presently we should see the progressions from 2020 and the responses to the preliminary inquiries concerning medical coverage.
Changes in Health Insurance 2020
Toward the start of 2020, the sums due for medical coverage changed. This is because of the progressions made in the administrative system and the expanded measure of the base protection pay, which is now BGN 610.
Art. 2 of the State Social Insurance Budget Act dictates the measure of the required medical coverage commitment.
For 2020, medical coverage remains 8% of pay. The vast majority of it is borne by the business and less by the worker – the proportion is 60:40.
The specific commitment for every individual relies upon his pay, regardless of whether he works, whether he is self-safeguarded and whether he has the status of jobless with or without the privilege to benefits.
Medical coverage for people who in 2020 are not on work or identical agreements, are paid on protection pay at least 50% of its base sum and not more than the measure of the most extreme protection pay (which is 3000 BGN every month).
This year for self-protected people, half of the base protection pay is equivalent to BGN 305. It follows that the sum due for medical coverage for the jobless is at least BGN 24.40 every month.
How are Health Insurance paid, and by whom?
Those individuals who are dependent upon mandatory protection with the National Health Insurance Fund, however, are not guaranteed on any of the grounds of the Health Insurance Act (for instance, the for all time jobless without the privilege to joblessness benefits), pay medical coverage at their own personal expense and present a one-time revelation – presentation structure № 7 under Ordinance H-13 of December 17, 2019, of the Minister of Finance on the event of the commitment to pay health care coverage commitments on this premise. In it, they show their picked medical coverage pay.
The month to month just as the previous Health Insurance commitments are paid through the PIN to the ledger of the particular regional directorate of the NRA (at your perpetual location) for the assortment of incomes for the NHIF.
Jobless individuals who get joblessness benefits are excluded from medical coverage commitments. They are covered by the state spending plan.
Graduates regularly overlook how they must act naturally adequate for the period from moving on from school to beginning college. They should then present a record from the important college guaranteeing that they are understudies.
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How to present an assertion № 7?
You can present the assertion at the workplace of the Revenue Agency, via mail with a return receipt, or electronically using a personal ID code (PIC) – this is gotten for nothing out of pocket on the spot.
What is the cutoff time for an installment of medical coverage?
Jobless people in 2020 must compensation their wellbeing commitments by the 25th of the month following the month they are expected. For instance, on the off chance that you have an obligation for the long stretch of September, you can pay it until October 25.
Those people who gave medical coverage themselves in the earlier year ought to likewise make a yearly leveling and pay previous wellbeing commitments. This happens when the payments under the government form for the earlier year surpass the protection pay on which medical coverage commitments have been paid month to month for the year. This applies to rental revenue, sovereignties, and such.
The yearly change for these people is made through Table 2, an addendum to the annual government form. The cutoff time for paying the last wellbeing commitments for the particular year usually is on April 30 of the following year.
What happens when medical coverage isn't paid?
As per Art. 109, para. 1 of the Health Insurance Act, if you have not paid medical coverage for over 3 months inside the past three years, you will be denied medical coverage rights. To reestablish your Health status, you should pay all due commitments throughout the previous 5 years.
It is critical to realize that your clinical costs are not repaid in this situation.
Do individuals on unpaid leave owe wellbeing commitments?
If you are on an unpaid leave of your decision and are not safeguarded on different grounds, you owe wellbeing commitments at your own personal cost. At that point, you are an independently employed individual, and you need to pay the due wellbeing commitments to your manager. On the off chance that you don't, your manager isn't obliged to contribute them from its own personal assets.
Know that backup plans (businesses) are obliged by law to submit information with a statement structure № 1 and structure № 6, including those on unpaid leave, paying little mind to its term.
Conclusion
Presently, you comprehend your fundamental rights and commitments towards medical coverage in Bulgaria, just as the most recent massive changes in the law.
We will add that for the times of representatives and laborers in brief insufficiency for work because of sickness, pregnancy, labor, and bringing up a little youngster, medical coverage is expected by the business over BGN 610.
It is imperative to screen your protection, not exclusively to dodge pointless migraines and assents, yet additionally not to bargain your wellbeing and not to hazard winding up in a horrible circumstance.
On the off chance that you need an interview and help from a decent attorney, contact the law office "Danailova, Todorov, and Partners." We will be glad to help.
