Current year balance of Wenzhou medical insurance

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Of course. You can use the medical insurance card if there is money in it. However, once the payment is stopped, you can't enjoy the reimbursement for outpatient hospitalization.

The balance will not be cleared.

The basic medical insurance for employees will be settled at the end of each month, and the insured person will stop the insurance, and the function of the medical insurance card will be deactivated, but the balance of the medical insurance card account will not be cleared. Medical insurance card accounts are also personal accounts, which are divided into current accounts and previous accounts. The amount of one year 12 months is credited to the current account in advance. Take the insured's suspension of insurance in June as an example. The current account balance will be settled in June, and the previous account balance will be retained in the account. When the insured resumes insurance, the balance will be automatically accumulated.

According to reports, the insured person stopped insurance and stopped using the medical insurance card function from the next month, and the medical insurance card can still be used in the same month. Therefore, if the insured person renews the insurance in the same month, it means that he can enjoy the basic medical insurance benefits continuously. If the insurance is renewed every few months after the insurance is stopped, the outpatient medical insurance benefits will be enjoyed from the next month, and the hospitalization medical insurance benefits will be enjoyed from the seventh month of the insurance. The same is true for flexible employees.

According to the provisions of the Social Insurance Law, employees should participate in basic medical insurance for employees, and employers and employees should pay basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

The balance of the medical insurance card account cannot be withdrawn.

The scope of use of the medical insurance card is that the insured employees can buy medicines in designated hospitals and pharmacies, but cannot withdraw cash or transfer money. There are only three situations that can be taken out or transferred. First, in the case of termination, if the insured dies, relatives can go through the formalities of surrender with the death certificate; Second, when the insured immigrates, he shall go through the surrender formalities with the certificate issued by the public security department; Third, transfer from other places. If the insured person goes to work in Hangzhou, the balance of the medical insurance account can be transferred to the new account after the local insurance.

According to reports, in the basic medical insurance for urban workers, the balance of the medical insurance card account is not all the basic medical insurance premiums paid by the insured himself. For example, in Wenzhou 20 14, the outpatient medical insurance premium for employees in the unit is paid by both the unit and the employees, of which the unit pays 3% of the total wages of all employees in the current month, and the payment base is implemented according to the hospitalization overall payment base. On-the-job employees are paid by 2% of the average monthly salary of employees in the province in the previous year, and are withheld and remitted by the insured unit on a monthly basis (74.2 yuan/month/person). All the basic medical insurance premiums paid by employees are included in personal accounts (medical insurance cards), and part of the basic medical insurance premiums paid by employers are used to establish overall funds and part of them are included in personal accounts.

After stopping the insurance, the insured person will continue to participate in the insurance and pay the medical insurance premium during the period of stopping the insurance according to the regulations. The payment period of medical insurance can be connected, and the basic medical insurance can continue to be paid; You can also choose not to pay, but this unpaid unplanned period is not counted as the payment period.