Why can't electronic medical insurance find a balance point?

Electronic certificate cannot find the balance for the following reasons:

1. The local social security (medical insurance) institution has no public information channel, the data has not been uploaded, and the personal account balance is not displayed when inquiring. This can only wait until the institutional information is publicly uploaded.

2. I applied for an electronic medical insurance voucher, but the physical social security card is not activated, so the inquiry will not show the personal account balance. You can go to the local social security pension institution to check whether to activate the social security card.

3. There are many people inquiring about the medical insurance platform, the data cache is slow, and the personal account balance will not be displayed. This should be done during peak-to-peak query to avoid high query flow.

Medical insurance can generally be divided into two categories, namely basic medical insurance and commercial medical insurance. Among them, the basic medical insurance is a social insurance system established to compensate workers for economic losses caused by diseases or accidental risks; Commercial medical insurance is a kind of health insurance.

Commercial medical insurance can be divided into reimbursement medical insurance and compensation medical insurance. Reimbursement medical insurance means that the medical expenses spent by patients in hospitals are reimbursed by insurance companies, which are generally divided into outpatient medical insurance and inpatient medical insurance. Compensatory medical insurance refers to the fact that the patient is definitely diagnosed by the hospital with a certain disease listed in the contract, and the insurance company pays the patient's treatment and nursing expenses according to the amount agreed in the contract. Generally divided into single disease insurance and critical illness insurance.

Social security can be paid all year round, and you can enjoy the old-age treatment after paying for fifteen years. It doesn't matter if you interrupt, as long as you pay for fifteen years. The so-called payment base of social insurance refers to the wage base used by enterprises or employees to calculate and pay social insurance premiums. This base multiplied by the prescribed rate is the amount of social insurance premiums that enterprises or individuals should pay.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 25

The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.