Will the balance of the medical insurance card be cleared when the social security is broken?

First, the significance and influence of cutting off social security

Severing social security means that the insured person stops paying social insurance premiums for various reasons, which leads to the interruption of social security relations. Cutting off social security will have an impact on personal social security benefits, such as pension insurance and medical insurance. However, the interruption of social security does not directly affect the balance in the medical insurance card.

Two, the source and nature of the balance of medical insurance card

The balance of the medical insurance card mainly comes from the medical insurance expenses paid by individuals and the part paid by the unit. These funds are credited to the personal account of medical insurance after payment, which is used to pay the medical expenses of the insured. The balance of medical insurance card belongs to personal property and has clear personal rights and interests.

Third, the relationship between social security and medical insurance card balance.

Although cutting off social security will affect individual social security benefits, it does not involve cleaning up the balance of medical insurance cards. The change of the balance of the medical insurance card is mainly affected by personal contributions, medical expenses and other factors, and has no direct relationship with whether the social security file is broken. So even if the social security is cut off, the balance in the medical insurance card will remain in the account and will not disappear because of the interruption of social security.

Four, how to manage the balance of medical insurance card

In order to avoid the waste and loss of the balance of the medical insurance card, the insured should plan the medical expenses reasonably and ensure that the balance of the medical insurance card can be fully utilized when necessary. At the same time, we should also pay attention to the payment of personal social security and ensure the continuity of social security relations in order to enjoy complete social security benefits.

To sum up:

Breaking social security will not lead to clearing the balance of medical insurance card. The balance of the medical insurance card belongs to personal property, which has clear personal rights and interests and will not be affected by the interruption of social security. Insured personnel should plan medical expenses reasonably, pay attention to the payment of personal social security, and ensure the effective use of the balance of medical insurance card and the integrity of social security benefits.

Legal basis:

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

Article 23 provides that:

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the 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.

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

Article 27 provides that:

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

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

Article 63 provides that:

If the employer fails to pay social insurance premiums in full and on time, the social insurance collection agency shall order it to pay or make up within a time limit.

If the employer fails to pay or repay the social insurance premium within the time limit, the social insurance collection agency may inquire about its deposit account in banks and other financial institutions; And can apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their bank or other financial institutions in writing to allocate social insurance premiums. If the balance of the employer's account is less than the social insurance premium that should be paid, the social insurance collection agency may require the employer to provide guarantee and sign a holdover agreement.

If the employer fails to pay the social insurance premium in full and fails to provide guarantee, the social insurance collection agency may apply to the people's court to seal up, detain or auction the property whose value is equivalent to the social insurance premium that should be paid, and the proceeds from the auction will be used to offset the social insurance premium.