Will the money in the medical insurance card expire?

The balance of the medical insurance card will not be cleared every year. At present, there are mainly medical insurance for employees and medical insurance for urban and rural residents in China, and the two systems are different in the design of personal accounts.

Among them, employee medical insurance has two accounts, a co-ordination account and a personal account, and there is also a personal account. However, there is only one account for urban and rural residents' medical insurance, that is, the overall account, and there is no personal account. Previously, individual accounts were set up in some areas when the new rural insurance was piloted, and all of them were cancelled before the end of 2020.

Therefore, the medical insurance balance mentioned here actually refers to the balance of employee medical insurance personal accounts. There is no personal account for urban and rural residents' medical insurance, so there is naturally no problem of clearing it. So the insured should not be confused. In the personal account of employee medical insurance, the money inside belongs to the personal property of the insured, and no department, including social security institutions, has the right to empty the personal account of the insured.

The scope of use of medical insurance cards mainly includes the following three aspects:

1, used to buy medicine: when the insured buys medicine at the designated pharmacy, they can pay with the medical insurance card.

2. Used for reimbursement: If you go to the hospital for medical treatment, whether it is outpatient or inpatient, you can use the medical insurance card for reimbursement if it reaches the medical insurance deductible line and is within the scope of medical insurance reimbursement.

3. Medical expenses: When the participants are sick, they can register with the designated hospital with the medical insurance card and medical insurance manual. The main process is as follows: holding the medical insurance manual and medical insurance card-registering with the hospital medical insurance office-reviewing the card-paying the hospitalization deposit-hospitalization-the patient agrees to the self-funded project and signs it-cash or medical insurance card.