Employee medical insurance has been paid, and the balance is 0.

There may be the following reasons why employees' medical insurance has been paying zero balance:

1, the company has paid the employee medical insurance fee normally, but the entity social security card has not been issued, resulting in the employee medical insurance account balance showing zero;

2. The employee has registered for insurance but failed to pay in time, and the balance of employee medical insurance account will be reduced;

3. If the employee fails to register with the social security department for medical insurance, the balance of the medical insurance account is not accumulated, showing zero;

4. The employee has registered and paid in time, but the balance of the medical insurance account is still zero. It may be that the account is abnormal and needs to be inquired and handled by the social security department.

Interpretation of medical insurance policy;

1. Rules for the use of medical insurance funds: Medical insurance funds usually have strict rules for use, including the scope of reimbursement, the proportion of reimbursement, and the capping line;

2. The difference between individual account and overall fund: Employee medical insurance includes two parts: individual account and overall fund. Personal account balance can be zero, but the overall fund can still be used for reimbursement;

3. Reimbursement process and time limit: the reimbursement process may involve advance payment before reimbursement, resulting in a zero balance in the personal account, while reimbursement is still being processed;

4. Payment and settlement cycle of medical insurance: Payment and settlement of medical insurance are usually carried out annually. After the settlement period, the unused personal account funds may be cleared or rolled into the next year;

5. Selection of medical services and cost control: choosing non-medical insurance designated hospitals or services beyond the scope of medical insurance reimbursement will lead to the inability to reimburse expenses and affect the balance of personal accounts.

To sum up, the zero balance of employees' medical insurance accounts may be caused by many reasons, such as the failure of the unit to issue social security cards, the arrears of employees, the failure to apply for insurance registration or abnormal accounts. Employees need to pay close attention to the payment in time, and contact the social security department to confirm the specific reasons and take corresponding measures.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.