What does the balance of medical insurance personal account mean?

Personal account balance in social security card refers to the account balance of medical insurance. As long as you participate in medical insurance normally and participate in the insurance according to the payment ratio of 8%, you have established your own personal medical insurance account. The balance in the personal medical insurance account must be earmarked, that is, you can go to the pharmacy to buy medicine or go to the clinic for settlement, but it cannot be used as cash. However, there is no personal account balance for medical insurance for urban and rural residents.

When the insured person who participates in the medical insurance for urban workers pays the medical insurance premium, it is generally paid by the individual and the employer, while the enterprise pays part of it into the overall account and part into the personal account, and all the money paid by the insured person goes into the personal account. Generally speaking, the money in the overall medical insurance account is mainly used to reimburse the hospitalization expenses incurred by the insured in designated medical institutions, while the balance of the individual medical insurance account can be mainly used to pay the following medical expenses:

1. Outpatient expenses incurred by the insured in designated medical institutions;

2. The drug expenses incurred by the insured in purchasing drugs at the designated retail pharmacies of medical insurance;

3. In the basic medical expenses of specific outpatient items, the medical expenses below the Qifubiaozhun shall be co-ordinated;

4 beyond the basic medical insurance payment limit, should be borne by the individual medical expenses;

5. Other medical expenses that meet the requirements.

Legal basis:

Article 14 of the Social Insurance Law of People's Republic of China (PRC) * * * Personal account shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.