Is there any money in the medical insurance card after the residents' medical insurance payment?

Residents' medical insurance is a kind of medical insurance with annual payment. After the residents pay the medical insurance fee, there will be no specific amount of money in the account. On the contrary, the balance on the medical insurance card refers to the remaining available reimbursement amount in the insured's medical insurance account.

Specifically, after the insured pays the medical insurance fee, the medical insurance department will include the payment amount in the personal medical insurance account. When the insured person goes to a medical institution for medical treatment, the medical expenses can be settled and reimbursed from the personal medical insurance account. If the balance in the personal medical insurance account is not enough to pay all the medical expenses, then the rest needs to be paid by the individual himself. Therefore, the balance on the resident medical insurance card refers to the reimbursable amount that the insured can use, not the actual cash balance.

To participate in medical insurance, you need to meet the following conditions:

1. Employees refer to employees who have established labor contract relations in enterprises, institutions, organs and other organizations and signed labor contracts or agreements with enterprises, institutions and organs according to law, and generally need to participate in enterprise employee medical insurance;

2. Freelancers refer to people who do not have a fixed employer, such as individual industrial and commercial households and freelancers, and need to participate in personal medical insurance;

3. Urban and rural residents refer to unemployed people living in urban and rural areas, retirees who have not participated in employee medical insurance, residents who have not participated in the basic old-age insurance for urban and rural residents, students and other personnel who need to participate in medical insurance for urban and rural residents.

To sum up, the payment conditions and standards of medical insurance may be different in different regions and different policies. The specific payment conditions and standards need to be inquired according to the relevant local policies. At the same time, it is recommended that people who participate in medical insurance regularly check and verify their medical insurance payment records and balances to ensure that the medical insurance paid is accurate.

Legal basis:

Article 63 of People's Republic of China (PRC) Social Insurance Law

If the employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit.

If the employer fails to pay or repay the social insurance premium within the time limit, the social insurance premium collection agency may inquire about its deposit account in banks and other financial institutions; And can apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their bank or other financial institutions in writing to allocate social insurance premiums. If the balance of the employer's account is less than the social insurance premium that should be paid, the social insurance premium collection agency may require the employer to provide guarantee and sign a deferred payment agreement.

If the employer fails to pay the social insurance premium in full and fails to provide guarantee, the social insurance premium collection agency may apply to the people's court for sealing up, distraining and auctioning the property whose value is equivalent to the social insurance premium that should be paid, and the proceeds from the auction will be used to offset the social insurance premium.