The medical insurance payment is different from the account balance.

The balance of medical insurance account will not be consistent with the fees paid, because there are two accounts in medical insurance, one is personal account and the other is overall account. Medical insurance contributions are paid jointly by individuals and units. The part paid by the individual is put into the personal account, and the part paid by the unit is put into the overall account. However, the medical insurance balance query can only query the balance in the personal account, so it is inconsistent with the payment situation.

First of all, medical insurance includes personal account and overall account. Secondly, medical insurance premiums are paid by both units and employees. The money that goes into the personal account of medical insurance is the part paid by individuals, and the part paid by the unit goes into the overall account of medical insurance, so there will be inconsistency between the balance of medical insurance account and the premium paid. In addition, if it is flexible employment social security, all the medical insurance premiums paid by individuals will enter the personal account of medical insurance, but the overall account will not. If the social security contribution is paid by the company, only the part paid by the individual is found to enter the personal account, and the part paid by the company as a whole enters the social security fund, which has nothing to do with the individual, so it is inconsistent. That is to say, only about 1/3 of the total amount of individual contributions goes into personal accounts, and about 2/3 of the other contributions go into social security funds.

The payment method of medical insurance is as follows:

1. If you are an urban registered resident, bring your ID card, household registration book, unemployment certificate, digital photo receipt and bank passbook.

2. Go to the social security bureau where the household registration is located to apply for social security and pay the endowment insurance and medical insurance.

3. Non-urban registered residents cannot apply for social security and pay by themselves. Social security can only be paid through the employer. If you are an agricultural registered population, you can go to the village Committee or community neighborhood Committee where you are registered, and apply for new rural endowment insurance and medical insurance.

Medical insurance refers to social medical insurance. It is a social insurance system that meets the basic medical needs of the state and society according to laws and regulations when workers are sick.

To sum up, if the insured finds that the balance of his medical insurance account is inconsistent with the actual payment amount, he can inquire with the Human Resources and Social Security Bureau of the insured place. If the Human Resources and Social Security Bureau infringes upon the legitimate rights and interests of the insured, the insured can apply for administrative reconsideration or bring an administrative lawsuit according to law to safeguard their legitimate rights and interests.

Legal basis:

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

Article 61

Social insurance premium collection agencies shall collect social insurance premiums in full and on time according to law, and regularly inform employers and individuals of the payment.

Article 74

The social insurance agency shall obtain the data needed for social insurance work through business handling, statistics and investigation, and the relevant units and individuals shall provide it in a timely and truthful manner.

The social insurance agency shall establish a file for the employer in a timely manner, completely and accurately record the social insurance data such as personnel's participation in social insurance and payment, and properly keep the original vouchers for registration and declaration and accounting vouchers for payment and settlement.

The social insurance agency shall timely, completely and accurately record the individual's personal rights and interests such as social insurance payment, employer's payment and social insurance benefits, and regularly send the personal rights and interests records to me free of charge.

Employers and individuals can inquire and check the records of payment and social insurance benefits from social insurance agencies free of charge, and ask social insurance agencies to provide social insurance consultation and other related services.