Will the employee medical insurance money disappear without using it?

The money for employee medical insurance will be gone if it is not used. Details are as follows:

1, the money in the medical insurance card will not be cleared, but can be accumulated to pay the medical expenses that meet the requirements;

2. However, if the medical insurance fee is interrupted, the medical insurance card function will be deactivated, but the balance of the medical insurance card account will not be cleared. Need to continue to enjoy medical insurance benefits, must continue to pay medical insurance fees in accordance with the provisions.

The medical insurance card includes the following groups:

1. When employees work in the unit, the employer and employees pay employee medical insurance in proportion, with a total payment ratio of 8%, of which the employer takes the total wages of employees as the payment base, and the payment ratio is 6%, which is included in the medical pooling fund; Individual employees take their actual salary as the payment base, and the payment ratio is 2%, which is included in personal accounts;

2. Flexible employees can pay medical insurance for employees in their personal capacity, with a total payment ratio of 8%. The average monthly salary of employees in the above years can be used as the payment base, which can also be selected within the range of 60% to 300%, or according to the payment grade announced by the medical insurance institutions in the overall planning area;

3 retirees will no longer pay medical insurance when the payment period of medical insurance reaches the payment period stipulated by the state, and enjoy the medical insurance benefits stipulated by the state for life after retirement. Retirees include government agencies and institutions, employees of enterprises, flexible employees, and those who retire according to law and enjoy pension benefits on a monthly basis. Retirees enjoy medical insurance return treatment is divided into several situations.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.