The balance of personal account of Class II medical insurance is 0.

The reasons include paying social security as a freelancer, newly insured personnel, exhausted personal account balance and so on.

1. Pay social security as a freelancer: If you choose to pay social security as a freelancer and have not established a personal medical insurance account, the balance will be displayed as 0.

2. New insured: For new insured, the balance of personal account is 0 because the amount of medical insurance account has not been transferred. Usually, the amount of the medical insurance account of the new insured person will be recorded in a certain period of time.

3. Personal account balance has been used up: the personal account balance of medical insurance is 0, which has been completely consumed in the process of use, such as paying medical expenses and medicine fees.