Medical insurance money not used why to the year will be cleared zero

The health insurance card has two accounts, one is the social security account, the other is the financial account, the two accounts are independent of each other, if the financial account did not deposit funds on the balance will also show zero. There is also a kind of medical insurance zero refers to the participant to pay medical insurance accumulated contribution years and personal account balance zero. The balance of the individual's health insurance card will not be zeroed out, and can continue to be used, unless he or she has used up all the money inside, not a single penny left. The second part of the unit to pay, will not be returned, if the interruption of the number of years of contributions, regardless of how much previously paid health insurance, the account is already "zero", no longer enjoy the health insurance treatment. Medical expenses during short-term trips: acute illnesses: provide proof of business trip, proof of family visit, travel contract, real-name air tickets, etc.; outpatient maintenance treatment for chronic illnesses: increase the provision of Xiamen diagnosis and treatment of medical records, and diagnostic and treatment measures during the period of time away from home should not exceed the original diagnostic and treatment measures in Xiamen;

4. Childbirths in other places: inpatient delivery costs and reasonable prenatal and postnatal checkups;

5. and homogenized areas of social security system failure can not be real-time card settlement: invoice endorsement by the medical institution fee office to prove and stamp;

6, social security card loss or damage, delay in card production: social security card management section of the back of the invoice stamp to confirm;

7, outpatient clinics in a single month, more than 20 times: the charge note must be card settlement and show the number of registered visits, must be provided with the outpatient clinic records;

8, acute illness or rescue without carrying a social security card: outpatient or inpatient medical records should be recorded in detail, clear enough to be recognized as an acute illness or rescue;

9, retired cadres outside the directory of the cost of medicines: need to provide "retired cadres outside the directory of the approval of medicines" and stamped with the hospital's official seal of the health care management department; the Provincial Center of the two fees The health care objects of retired cadres hosted by the Provincial Two Fee Center must provide health care certificates;

10. Participation in the insurance status, change, change of participating units, delay in the arrival of the local tax data: the local tax for the completion of the change procedures and the confirmation of the arrival of the account in the middle of the following month can be processed for reimbursement;

11. The newborn baby's medical expenses from birth: the birth of a newborn child should be enrolled in three months in time to apply for the insurance and payment of fees, and reimbursement can be made only after the arrival of the payment of the account. Birth certificates must be provided; for newborns who are not named at the time of incurring expenses, the name on the medical invoice, summary list, discharge record and other reimbursement vouchers will be uniformly adopted as the mother's or father's name followed by the words "之子" or "之女".

According to the Social Security Law, the money in the health insurance card can be calculated and accumulated and can be used to pay for medical expenses. If there is an interruption in health insurance costs, the card function will be disabled, but the balance in the card account will not be zeroed out. To continue to enjoy health insurance benefits, we must follow Social Security's rules and continue to submit health insurance premiums so that the health insurance card can continue to be used. For the reason that the residents' medical insurance personal account is canceled, the main purpose is, so that the residents' medical insurance outpatient protection to outpatient coordination transition, can be realized in all the participants in the mutual **** relief, improve the residents' medical insurance fund **** relief ability.

I hope the above can help you, if there are still questions please consult a professional lawyer.

Legal basis:

Article 28 of the Social Insurance Law of the People's Republic of China

Medical expenses that are in line with the basic medical insurance drug catalog, diagnostic and therapeutic items, standards of medical service facilities, as well as those for emergency and rescue, shall be paid from the basic medical insurance fund in accordance with state regulations.

Article 29

The portion of the medical expenses of insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance administration organization and the medical institutions and drug business units.

The administrative departments of social insurance and the administrative departments of health shall establish a settlement system for medical expenses incurred for medical treatment in other places, so as to facilitate the enjoyment of basic medical insurance by insured persons.