Why does my medical insurance card balance show zero?

Possible reasons for zero balance of medical insurance card:

1. The medical insurance agency has not officially changed households, so the insured can participate in residents' medical insurance after waiting patiently for a period of time and then inquiring.

2. If the insured person participates in the medical insurance for urban and rural residents, rather than the medical insurance for urban employees, then the balance of the personal account of the medical insurance card will not be found, because the medical insurance for urban and rural residents only has a co-ordination account, and the personal account without a personal account has run out of money.

3. Employee medical insurance is divided into individual account and overall account. Only when the personal account of the medical insurance card has money, the insured can inquire through the designated channels. Therefore, if the money in the personal account of medical insurance has been used up, the balance will naturally show zero when inquiring, but it is not unexpected that medical insurance cannot be reimbursed. As long as the insured pays the premium on time, even if the balance of the personal account of the medical insurance card is zero, it will not affect the reimbursement of the overall account as a flexible employee.

4. If the insured person participates in flexible employment medical insurance on his own as a flexible employee and pays at the lowest cost, then the medical insurance generally has no personal account and will not refund the money, so naturally the balance of the personal account will not be found.

5. If the medical insurance card is not activated, it is impossible to query the balance of the medical insurance card normally. The insured person can bring his ID card and medical insurance card to the social security cooperative bank or the local social security center for activation.

6. If an individual participates in flexible employment social security or social security for urban and rural residents, but only pays the premium of flexible employment pension insurance or urban and rural residents' pension insurance, but does not pay the premium of flexible employment medical insurance or urban and rural residents' medical insurance, then it is naturally impossible to inquire about the balance of the medical insurance card.

7. Some insured persons may mistakenly query the balance of the social security card financial account as the balance of the personal account of the medical insurance card, but the social security card financial account generally needs to be activated and deposited into it before the balance will be displayed. If you need to check the personal account balance of the medical insurance card, you can generally call the local social security official service hotline, or check the personal account information of the medical insurance card through social security official website, social security official WeChat official account and other channels.

8. For example, if the local social security information is not fully displayed, the insured person can bring his ID card and medical insurance card to the local social security service center to inquire about the complete information of the medical insurance card.

9. If the insured is a new medical insurance card, or a new medical insurance card is reissued after the medical insurance card is lost, the balance of the medical insurance card may not be found because the account information of the medical insurance card is not provided to the social security bureau of the insured place for synchronous maintenance.

10. In some areas, it is stipulated that flexible employees need to pay medical insurance for half a year to activate medical insurance benefits, and then the personal account of medical insurance card begins to refund money. In addition, in some areas, it is necessary to wait until the flexible employees retire before establishing personal medical insurance accounts, so there will also be cases where the balance of medical insurance cards is zero.