Why is the balance of medical insurance payment 0?

When the balance of the medical insurance card is 0, it will not affect the medical reimbursement. Even if there is no money in the medical insurance card, as long as the medical insurance is in a normal state, you can continue to enjoy medical reimbursement, but the self-funded part can only be paid in cash and cannot be paid in advance from the medical insurance card. Reimbursement includes pooling the money in the account.

1. The social security paid is paid by individuals with flexible employment. In this case, no personal medical insurance account is established, so it is 0.

2. The personal account information of medical insurance is incomplete, which may be due to the incomplete display of local social security information. If you want to check the complete information, you can only go to the local social security service outlets.

3. It may be that the amount in the personal account of medical insurance has been completely used up when you see a doctor and buy medicine.

4. If it is a new insured, the amount of personal medical insurance account has not been included.

In general, the medical insurance account is divided into two accounts, namely, the bank wealth management account and the social security account. These two accounts are independent of each other and funds cannot be transferred to each other. The expenses paid by the insured are usually in the social security account. The reason why the balance of the medical insurance account is displayed as 0 is mainly because the ATM can only query the financial account, while the social security account needs to be queried at the designated pharmacy, designated medical institution or social security center.

Extended data:

Matters needing attention in the use of medical insurance:

New employees can enjoy employee medical insurance after paying social security in the unit. The outpatient and emergency expenses that meet the requirements of medical insurance in designated hospitals shall be paid in advance by the personal account fund. After the payment exceeds a certain amount (generally 1500, which can be accumulated), according to the regulations, certain medical expenses will be reimbursed by the medical insurance pooling account under different circumstances, and the proportion is generally between 50% and 70%.

Medical insurance drugs are divided into Class A, Class B and Class C ... Class A drugs are lower-priced drugs of the same kind, which are uniformly formulated by the state, and all of them are included in the payment scope of the basic medical insurance fund, and the out-of-pocket ratio is about 10%. Class B drugs are optional drugs, but the price is slightly higher than that of Class A drugs. The out-of-pocket ratio is 20% or 10%. Class C drugs are completely at their own expense.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

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

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

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.