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健保資訊 yang - 勞健保資訊 | 2024-01-30 | 點閱數: 1348

健保(全民健康保險)應以主要從事的工作來投保

先說結論,健保是不需要重複加保的,如果因故導致有重複加保並重複繳納保費的話,也可以由投保單位或勞工(被保險人)在「發生重複繳納保險費」之日起五年內向所屬健保轄區業務組申請退還,逾期健保署便會不予受理,詳情可參照健保署網站

如果具有被保險人身分(例如有工作或參加職業工會),就不可用眷屬的身分投保,另外眷屬要跟著被保險人一起投保,假如被保險人換工作,眷屬也要跟著轉換投保單位。

回到本文的主題,假如同時受僱於兩份以上的工作,那麼都同樣是屬於第一類保險對象,這時候應該以「專任職務」的工作參加健保,但如果兩份工作都是專任工作而非兼職的話呢?此時應以「主要工作」之身分參加全民健康保險,而主要工作之認定,則是以被保險人日常實際從事有酬工作時間之長短為認定標準,假如工作時長短相同時則以收入多寡認定

順帶補充一下,依照健保法第11條規定,如果是受僱工作的話(第一類被保險人),即使有參加職業工會(第二類)或農漁會(第三類),也仍然要以第一類身份投保;而如果有參加職業工會、船長公會或海員總工會(第二類),也不能以農漁會的身份投保健保(第三類);而如果具有第一類至第三類的身份者,則不能以第四類及第六類的身份投保,因此,如果是受僱工作或參加職業工會等情況,就不能以無職業身份投保在鄉鎮市區公所,其眷屬也應以眷屬身份投保。

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