Why is the balance of medical insurance payment zero?

The specific reasons for zero payment of medical insurance balance are as follows:

1. The staff of this company made mistakes in their work. In the process of paying personal social security, only the old-age insurance is paid, and the medical insurance is forgotten, resulting in no account balance in the medical insurance account;

2. Users pay insurance not as social security for employees, but as medical insurance for urban residents. Urban residents' medical insurance is paid once a year, and the payment period will not be accumulated, so there is no personal account;

3. The user pays medical insurance as a flexible employee, and the down payment is relatively low, so no personal account is created, so there is no account balance.

The method of checking account balance with medical insurance card;

1. social security bureau inquiry: the insured person carries his personal ID card and goes to the window of the local social security center or the self-service terminal to inquire about the machine;

2. Telephone inquiry: Call the local social security bureau or the social security comprehensive service hotline 12333, and make telephone inquiry according to the voice prompts;

3. official website inquiry: On the premise that the local social security center has opened the online inquiry function, you can log in to the website through the local social security center official website and make an inquiry according to the webpage prompts;

4. Third-party platform inquiry: the insured can enter identity information or social security card information on a specific third-party platform for inquiry;

5. Pharmacy inquiry: The insured can use the medical insurance card to buy medicines at the designated pharmacy, and can inquire the account balance when spending by credit card.

To sum up, the zero balance of the medical insurance account may be due to the work mistakes of company personnel, the medical insurance paid by urban residents and the medical insurance paid by flexible employees.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

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

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, 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.