What to do if you can't use up all the money in your medical insurance card?

The money in the medical insurance card will not expire, nor will it be invalidated, if it has not been used, it will always be there, and the medical insurance system clearly stipulates that the individual account funds can be accumulated and inherited, if the participant is unable to use up the stored funds of the medical insurance card, his children and grandchildren can still continue to use it.

The money in the personal account of the medical insurance card must be used up by the individual. After the accumulated personal responsibility section exceeds the prescribed amount, the medical fee of the exceeding part will be borne by the individual in different proportions according to the hospital category, and the rest will be paid by the integrated fund. When outpatient or inpatient treatment is carried out at the designated hospitals in the urban area, or when special diseases are treated at the designated hospitals for special diseases, the insured person should take the initiative to present his/her medical insurance calendar and use the medical insurance card to settle the bill. The medical expenses incurred by the insured person for medical treatment shall be paid in cash by the individual, while those paid by the medical insurance fund shall be settled by the designated hospital with the municipal medical insurance center after accounting according to the regulations. Medical insurance card is a functional card containing a chip, which is used for identity confirmation and payment from the individual account of medical insurance during medical or pharmacy consumption. Medical insurance medical record, a kind of medical record, can be generalized to all medical insurance designated hospitals in the same city, used to record the medical insurance medical condition.

There are four reasons why there is no money in the card when you pay for health insurance:

1, the enterprise didn't pay for health insurance. Although for social security, but only paid with the pension insurance, did not pay medical insurance.

2, query the wrong place. Medical insurance account in the individual's money, after activation did not go to the hospital or pharmacy inquiries.

3, belonging to the flexible employment personnel or urban and rural residents insurance, is in accordance with the local social security department announced the low-grade contributions, will not return money.

4, social security card activated at the end. It is not possible to check the balance normally.

Medicare card activation steps process:

1, participants need to hold their own health insurance card, original proof of identity to the corresponding bank outlets to activate the card, activation of the health insurance account will return to normal.

2. Use the medical insurance card to directly activate the social security function in the designated hospitals. The first time a participant uses his or her health insurance card at a designated medical institution, he or she only needs to register for outpatient or hospitalization services, and then the social security function can be activated directly.

3. When the insured person uses the medical insurance card for the first time in the designated pharmacy, he/she inserts the original medical insurance card and then inserts the medical insurance card according to the requirements to enable the medical insurance card.

4, the health insurance card must be activated within six months, otherwise it will be restricted to use.

5, the new health insurance card can not be used, may be restricted to use, the expiration date is not activated, restriction on the use of the social security card needs to be activated, the amount of money on the health insurance card account automatically transferred.

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

Legal basis: "Social Insurance Law" Article 27 to participate in the basic medical insurance for employees, reaching the statutory retirement age, the cumulative contributions to the national provisions of the number of years, no longer pay the basic medical insurance premiums, in accordance with the provisions of the state to enjoy the basic medical insurance treatment; has not reached the national provisions of the number of years, you can contribute to the national provisions of the number of years.