Why pay the social security insurance balance or 0?

The reason why the balance of social security insurance is still 0 may lie in the fact that the insured person participates in the urban and rural residents' medical insurance, and has not established individual account; or participates in social security in the capacity of flexible employment, and the policy is different, and may not have established individual medical insurance account.

1. Participants are enrolled in urban and rural residents' medical insurance, and no individual account is established due to the lower contribution base;

2. Participants are enrolled in social security in the capacity of flexible employment, and the differences in policies around the world lead to the fact that not all flexibly employed participants will have an individual medical insurance account established.

Calculation of the balance of social security medical insurance:

1. Calculation of the balance of the individual account: the balance of the individual account refers to the portion of medical insurance premiums paid by an individual that has been transferred to the individual account, plus the interest income of the account, minus the balance of expenditures of the individual account;

2. Verification of the payment records: the calculation of the balance of the individual account needs to verify the payment records to make sure that all the contributions payable The calculation of the individual account balance requires checking the contribution records to ensure that all the contributions due have been correctly transferred to the individual account;

3. Expenditure record checking: the expenses incurred by an individual using medical services, after reimbursement through the medical insurance, the expenditure of the individual account portion needs to be deducted from the account balance;

4. Calculation of interest income: the funds in the individual account may generate interest income, which is also counted as income to the account balance;

5. Policy adjustment impact: adjustments to the medical insurance policy will have an impact on the account balance. Adjustment impact: Adjustment of health insurance policy may affect the calculation of individual account balance, such as adjusting the contribution ratio or interest income ratio of individual account.

In summary, the reason why the balance of medical insurance is still 0 after paying social security may be that the insured person participates in urban and rural residents' medical insurance and has not established an individual account, or participates in social security with flexible employment status, which has a different policy, and may not have established an individual medical insurance account.

Legal basis:

The People's Republic of China*** and the State Social Insurance Law

Article 23

Employees shall participate in the basic medical insurance for employees, and shall pay the basic medical insurance premiums by the employing unit and the employees in accordance with the state regulations***. Individual industrial and commercial households without employees, part-time workers who do not participate in the basic medical insurance for employees in their employing units, and other flexibly employed persons may participate in the basic medical insurance for employees, and individuals shall pay the basic medical insurance premiums in accordance with the state regulations.