How can the balance of college students' medical insurance be zero?

There are several reasons why the student medical insurance card balance is 0:

1. All medical insurance expenses have been reimbursed.

2. The balance of medical insurance account is insufficient.

3. The medical insurance expenses were not paid in time.

4. If the user is a new insured, the amount of personal account can be omitted.

5. Only individuals who participate in the basic medical insurance for urban workers have personal accounts for medical insurance, and individuals who participate in the basic medical insurance for urban residents have no personal accounts for medical insurance.

6. Incorrect query method: Some users will mistakenly query the personal balance of the medical insurance card as the financial balance of the social security card, but the financial account of the social security card will have a balance only after the individual deposits it, similar to the bank card. If the user has no deposit, the balance will be 0.

How to activate the function of medical insurance card with social security card;

1, activation of designated hospitals: When you go to a designated hospital for medical treatment, you can register with a social security card, so that the social security card will activate the function of the medical insurance card and settle accounts directly according to the medical insurance, thus saving everyone a sum of medical expenses.

2. Activation of designated pharmacies: If you buy medicines at designated medical insurance pharmacies, you can also use the social security card to buy medicines, and then you can activate the function of the medical insurance card to check the account balance.

Benefits of medical insurance:

1. Provide medical expenses protection: medical insurance can help the insured pay medical expenses in case of accident or illness, and reduce personal financial burden. According to the insurance contract, the insurance company will bear certain medical expenses, including hospitalization expenses, operation expenses, outpatient expenses and medicine expenses.

2. Provide more comprehensive medical security: Medical insurance can provide more comprehensive medical security, including hospitalization, surgical treatment, outpatient medical treatment, and drug expenses. Different medical insurance products will have different coverage and coverage, so you can choose the appropriate insurance scheme according to your personal needs.

3. Relieve personal financial pressure: Medical expenses are often a big expense, especially when encountering major diseases or accidents. Medical insurance can help the insured to share part or all of the medical expenses, reduce personal financial pressure and make the insured get better treatment.

4. Provide convenient claims service: Medical insurance companies usually provide convenient claims service to simplify claims procedures and speed up claims. The insured can apply for claims through the insurance company's customer service hotline or online platform, reducing cumbersome procedures and waiting time.

To sum up, it is very important to effectively manage medical expenses when the medical insurance balance of college students is zero. First of all, we should fully understand our medical insurance policy, including the scope and limit of reimbursement, so as to arrange medical treatment reasonably. Secondly, you can choose a suitable medical service provider, such as a designated hospital or clinic for medical insurance, and enjoy more reimbursement.

Legal basis:

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

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.