How is the employee's normal medical insurance account balance zero?

There may be the following reasons why the employee's normal medical insurance account balance is 0:

1, wrong query method: social security cards generally include two accounts, one of which is a bank card account, and the two accounts are not common. Therefore, if the ATM equipment makes a balance inquiry, it can only find the balance in the bank card account. If the bank card account has not been used, the balance will naturally be displayed as zero;

2. The medical insurance agency did not transfer money: if the insured just got the medical insurance card and found that the balance was zero, it may be that the medical insurance agency did not formally transfer money, so just wait patiently;

3. There is no personal account for medical insurance for urban and rural residents, so the balance is zero.

4. Flexible employees will not open personal medical insurance accounts according to the minimum payment, so the balance is zero;

5. Abnormal payment of medical insurance: some units have abnormal payment, resulting in abnormal display of personal account balance.

6. Medical insurance system failure: Sometimes the medical insurance system failure may also lead to abnormal balance display.

Influence of zero balance in employee medical insurance account.

The balance of employee medical insurance account is 0, which will have a certain impact on the insured employees. Specifically:

1. Restricted medical purchase: the balance of employee medical insurance account is 0, which will affect the insured employees' medical purchase and medical settlement in designated medical institutions and retail pharmacies.

2. The reimbursement amount is limited: if the employee's medical insurance account balance is 0, then when reimbursing medical expenses, only the personal burden can be reimbursed, and medical insurance reimbursement treatment cannot be enjoyed.

3. Influence of payment period: If the balance of employee medical insurance account is 0, it may be affected when calculating payment period.

In short, there are many reasons why the employee's normal medical insurance account balance is 0, such as the wrong inquiry method, the medical insurance institution has not transferred money, the medical insurance has not been paid normally, and the medical insurance system has failed. Different solutions can be adopted according to the specific situation.

Legal basis:

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

Article 10

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.