Why is the balance of medical insurance card zero?

Legal analysis: 1, the query method is wrong.

Medical insurance cards are divided into medical insurance personal accounts and medical insurance financial accounts. If you don't deposit money in the financial account, you can check it at the bank's ATM, so that there will be no money in the medical insurance card. If you need to inquire about personal medical insurance accounts, you need to go to designated hospitals, pharmacies and medical insurance agencies, or call the social security hotline 12333.

2. The medical insurance institution has not transferred the account.

If you haven't got the medical insurance card for a long time and the balance is displayed as zero, then it may be that the medical insurance agency has not officially transferred the money, so just wait patiently.

3, to participate in medical insurance for urban and rural residents.

At present, the basic medical insurance for urban and rural residents (including the new rural cooperative medical insurance and urban residents' medical insurance) is gradually canceling individual medical insurance accounts and transitioning to outpatient co-ordination accounts. Therefore, the insured who participates in the medical insurance for urban and rural residents no longer has a personal account for medical insurance. Please check that the balance is zero yuan. If there is money in it before, it can be used as insurance premium for next year.

Note: In some places, the medical insurance card and social security card are the same, while in some places, the medical insurance card and social security card are separate. But in any case, there are medical insurance accounts and financial accounts, which are independent of each other and the funds in them cannot be transferred to each other.

Legal basis: Article 2 of the Social Insurance Law of People's Republic of China (PRC) The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., to guarantee citizens' right to receive material assistance from the state and society in case of old age, illness, industrial injury, unemployment and maternity.