What does the balance of medical insurance personal account 0 mean?

Six reasons why the personal account balance of electronic medical insurance is zero;

1, the social security paid is paid by individuals with flexible employment. In this case, the personal medical insurance account is not established, so it is 0;

2. It may be that the medical insurance personal account has run out of storage;

3. If it is a new insured person, it has not been included in the personal medical insurance account;

4. At present, only individuals who participate in the basic medical insurance for urban workers have medical insurance personal accounts. Individuals who participate in the basic medical insurance for urban and rural residents do not have personal accounts for medical insurance, and the amount of personal accounts is composed of medical insurance premiums paid by individuals.

What should I do if the personal account balance of electronic medical insurance is 0?

1. The company has paid the employee's medical insurance fee normally, but the company has not issued a physical social security card: I have not applied for a social security card before. In this case, I need to contact my work unit to apply for a social security card first, and the personal account will have a balance after the medical insurance is deposited normally; I got a social security card when I participated in the residents' medical insurance before. In this case, I need to contact the social security card issuer to activate my personal medical insurance account (pay attention to non-financial accounts) before I can use it;

2. Go to the bank to check that the balance of medical insurance personal account is not 0, and the balance is 0 when checking the medical insurance system or pharmacies and hospitals. This situation may be because the insured has financial security and so on. Personal funds are frozen by law enforcement agencies such as courts. It is recommended to go to the issuing bank to check the status of the medical insurance account and the financial account, and ask the reasons for the abnormal account.

Can I withdraw the money from my personal account with my medical insurance card?

Generally speaking, the money in the medical insurance card can't be taken out, so you can only see a doctor and buy medicine in designated hospitals and pharmacies. However, the following situations can still be taken:

1. Termination of the use of the medical insurance card: if the insured person dies, the relatives can go through the surrender formalities with the death certificate;

2. Transfer of the insured: handle the surrender formalities with the certificate issued by the public security department;

3. Transfer in different places: After local insurance, the balance of medical insurance account can be transferred to a new account.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC).

Before employees of state-owned enterprises and institutions participate in the basic old-age insurance, the basic old-age insurance premiums payable during the payment period shall be borne by the government.

When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.