Can I withdraw the personal balance of employee medical insurance?

Personal balance of employee medical insurance can be withdrawn.

However, the following conditions must be met:

1. After the death of the insured, the balance of the individual medical insurance account can be inherited by the heir.

2. When the insured person goes abroad to settle down, he can apply for cancellation of the social security account, and then withdraw all the balance of the personal medical insurance account at one time.

3. If the insured person dies unfortunately and there is a balance in his personal medical insurance account, the balance can be inherited by the heir, who can apply for withdrawing the balance from his personal medical insurance account after issuing relevant certification materials.

4. Under special circumstances, you can consult the local medical insurance department for the withdrawal conditions.

Employee medical insurance processing flow:

1. After the employee joins the company, the company will submit the employee's personal information and medical insurance payment information to the local social insurance agency within the specified time to handle the medical insurance registration for the employee;

2. Employees hold valid identity documents and personal medical insurance cards to the local social insurance agencies to handle the activation and collection procedures of medical insurance cards, and at the same time understand the local medical insurance policies and reimbursement standards;

3, employees and units in accordance with the provisions of the medical insurance payment ratio to pay medical insurance fees;

4. When employees need medical treatment, they should go to the medical institutions designated by medical insurance for treatment, pay the expenses paid by individuals, and receive medical bills and other related materials;

5. Employees should prepare reimbursement application materials (such as medical bills, expense lists, diagnosis certificates, etc.). ) and apply for medical insurance reimbursement at the local social insurance agency;

6 agencies to review the application materials for reimbursement, verify the proportion and amount of reimbursement, and the reimbursement will be credited to the employee medical insurance card account.

To sum up, the scope of application of employee medical insurance may be different due to different regions and policies. Before using employee medical insurance, it is necessary to know the local medical insurance policies and regulations in order to correctly use and reimburse medical expenses.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly 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.