Can social security still reimburse you when you run out of money

Social security, especially health insurance reimbursement, usually does not rely directly on the balance in an individual's account, but is paid for by a coordinated social fund. In China, the basic medical insurance that employees participate in consists of two parts: an individual account and a coordinated fund. Even if the money in the individual account is exhausted, the co-ordinated fund can still be used to pay for the remaining reasonable expenses, as long as the medical expenses meet the reimbursement scope and standards of the basic medical insurance.

For cases where the balance of the individual account is insufficient, usually, the individual account is mainly used to pay for outpatient expenses, while hospitalization expenses are mostly paid by the social coordinating fund. Therefore, even if the funds in the personal account are depleted, as long as you are enrolled in the program and make regular social security contributions, you can continue to be reimbursed for your medical expenses, but the scope and percentage of reimbursement will depend on the specific policy.

I hope the above content can help you, if you have other questions please consult a professional lawyer.

Legal basis:

Article 4 of the Social Insurance Law of the People's Republic of China

The employers and individuals within the territory of the People's Republic of China pay social insurance premiums in accordance with the law, and they have the right to inquire about the records of payment, personal rights and interests, and to request the social insurance agency to provide social insurance consulting and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise the payment of contributions for them by their own units.