Why is the employee medical insurance balance zero?

The reasons why the employee medical insurance balance is zero are as follows:

1, no transfer: the medical insurance agency has not officially transferred money, so the insured can wait patiently for a period of time and then inquire;

2. Participate in residents' medical insurance: If the insured person participates in urban and rural residents' medical insurance instead of urban workers' medical insurance, then the balance of personal account of medical insurance card will not be found, because there is only a unified account for urban and rural residents' medical insurance, and there is no personal account;

3. The money in personal account is used up: employee medical insurance is divided into personal account and overall account. Only when the personal account of the medical insurance card has money, the insured can inquire through the designated channels. Therefore, if the money in the personal account of medical insurance has been used up, the balance will naturally show zero when inquiring, but it is not unexpected that medical insurance cannot be reimbursed. As long as the insured pays the premium on time, even if the personal account balance of the medical insurance card is zero, it will not affect the reimbursement of the overall account;

4. Enroll as a flexible employee: If the insured person participates in flexible employment medical insurance as a flexible employee and pays at the lowest price, then medical insurance generally does not have a personal account, so the money will not be refunded, and naturally the balance of the personal account will not be found;

5. The medical insurance card is not activated: the medical insurance card is not activated, and the balance of the medical insurance card cannot be inquired normally. The insured can bring his ID card and medical insurance card to the social security cooperative bank or the local social security center for activation;

6. Only paid the old-age insurance: if an individual participates in flexible employment social security or urban and rural residents' social security on his own, he only pays the premium of flexible employment old-age insurance or urban and rural residents' old-age insurance, and does not pay the premium of flexible employment medical insurance or urban and rural residents' medical insurance, so it is naturally impossible to check the balance of the medical insurance card;

7. Wrong inquiry method: Some insured persons may mistake the balance of social security card financial account for the balance of personal account of medical insurance card. However, the social security card financial account generally needs to be activated and deposit money in it to display the balance. Just like a bank card, if you don't save money yourself, naturally you can't find the balance. If you need to check the personal account balance of the medical insurance card, you can generally call the local official social security service hotline, or check it in social security official website, social security official WeChat official account and other channels;

8. Incomplete personal account information of medical insurance card: If the local social security information is incomplete, the insured can bring his ID card and medical insurance card to the local social security service center to inquire about the complete information of medical insurance card;

9. Information is not maintained synchronously: if the insured is a new medical insurance card, or a new medical insurance card is reissued after the medical insurance card is lost, the balance of the medical insurance card may not be found because the account information of the medical insurance card is not provided to the social security bureau of the insured place for synchronous maintenance;

10. Differences in medical insurance policies for flexible employees: In some areas, it is stipulated that flexible employees need to pay medical insurance for half a year before they can activate medical insurance benefits, and then the personal account of medical insurance card begins to refund money. In addition, in some areas, it is necessary to wait until the flexible employees retire before establishing personal medical insurance accounts, so there will also be cases where the balance of medical insurance cards is zero.

Medical insurance reimbursement process:

1, diagnosed and treated in the designated medical insurance hospital.

Every city will have designated hospitals for medical insurance. Only when you are treated in a designated medical insurance hospital can you be reimbursed by medical insurance. Therefore, if you want to use medical insurance, you must go to the designated hospital for medical insurance and go through the relevant registration procedures;

2. Prepare discharge information

Prepare discharge materials in advance when you leave the hospital, such as disease diagnosis, discharge records, medical records, etc. Usually talk to the doctor during treatment. If we need these materials, the doctor will help us prepare them. You'd better make a copy of these materials after you get them. One is submitted to the medical insurance reimbursement office, and the other is reserved for use;

3. Discharge settlement

Take the hospitalization list and invoice to the hospital for settlement. After that, you can take the relevant information to the medical insurance reimbursement department for reimbursement review;

4. Wait for the expense reimbursement to arrive.

A receipt will be received after the data is handed over, and the reimbursement amount will be received within 15 days. You just have to wait patiently.

To sum up, medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.