Will the balance of the medical insurance card be cleared?

The money in the medical insurance card will not be cleared, but if the medical insurance card is cut off, there will still be some effects, such as affecting the calculation of the insured's payment period and not being able to enjoy medical insurance-related benefits, but the premiums that have been paid before will not be cleared, and as long as there is money in the personal account of the medical insurance card, it can still be used to pay for general outpatient expenses and buy medicines at designated medical institutions, and can only be used for reimbursement of medical expenses.

The money in the medical insurance card can be accumulated, and there is no zero settlement system. Employees can check the account balance through the medical insurance card, which has the following functions:

1. Scope of use of medical insurance card: When insured employees buy medicines in designated hospitals and pharmacies, they can swipe their cards on POS machines with their passwords, but they cannot withdraw cash or transfer money.

2. Inquire about the balance of medical insurance card: Insured employees can inquire about the balance by telephone, or at the Bank Savings Office of China or the designated hospitals and pharmacies in the urban area. You can also log in to the social security inquiry system online.

3. Inquiry of medical insurance card transaction: Insured employees can print medical insurance card transaction records, including personal account payment records and consumption records, at China Bank Savings Office with their ID cards and medical insurance requirements. If you have any questions about the transaction records, you can go to the retail business department of Bank of China.

4. Medical insurance card password: The insured employees can change their passwords by phone or bring their ID cards to the Bank of China Savings Office. If the insured employee forgets his password, he can report the loss of the original password with his ID card to China Bank Savings Office and change it.

In summary, the medical insurance balance will not be cleared. The money in the personal account of the medical insurance card belongs to the cardholder himself. Even if the medical insurance fee is cut off, I will go to a designated medical institution to see a doctor and go to a pharmacy to buy medicine, which will not be affected at all until the money in my personal account runs out. And if you continue to pay, the medical insurance stipulates that you can enjoy medical insurance benefits next month if you pay this month.

Legal basis:

Social insurance law

Article 23

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.

Article 27

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state;

Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.