Why is there no balance in the payment of social security?

1. If social security is paid every month, the personal account of medical insurance will be credited to the social security card regularly. If you buy medicine or spend it in the hospital, there will be no money in it.

2. Generally, a social security card has two accounts, one is a pension account and the other is a medical account. If you only pay medical insurance, there is no balance.

3. In addition, there is such a situation that it is possible for individual insured persons to participate in medical insurance with unemployment cards.

4. According to the medical insurance policy, the normal contribution rate of individual insurance is 10% of the city's average social wage, of which 3.5% is included in personal accounts for general outpatient treatment and drug purchase; Another 6.5% is included in the overall medical insurance account for hospitalization.

5. Unemployed people can pay 6.5% of the average social wage and only enjoy the same hospitalization treatment as the medical insurance insured. Because the funds in the insured person's personal account can no longer be extracted and used, this means that 3.5% of the funds in the unemployed person's personal account are in their own hands, which is "living money".

6. The social security you paid is wrong. Only employee social security has this money. If you pay the new rural cooperative medical system or residents' medical insurance, you will have no money.

7. If you have retired, you don't have lifelong health insurance. Simply put, even if you retire, your social security card will earn money every month, but only if you have paid medical insurance for 25 years and enjoy lifelong medical insurance benefits. If not, your social security card will have no money to enter after retirement;

8. The query method is wrong. When checking the balance, if the balance in the bank card is not found, see if it is wrong. You can check social security accounts in social security agencies, designated medical institutions and designated retail pharmacies.

Individuals can query the social security payment unit in the following ways:

1, social security center inquiry: you can bring your ID card to the business halls of social insurance agencies in various districts to inquire about social security payment.

2. Internet inquiry: You can log in to the local labor security network or social insurance business website and click the "Personal Social Security Information Inquiry" window to inquire. Or log on to the local human resources and social security bureau network, enter the personal online service hall for registration and inquiry, or look for "personal social security inquiry" and other columns.

3. You can call the social security inquiry hotline 12333, and the customer service staff will help you check the payment information.

4, or you can also make inquiries through Alipay or WeChat. After entering social security query in the search box, fill in personal information, and you can query the payment of social security.

To sum up, there is no money in the social security card because the social security card is not activated; Insured persons and their units fail to pay social security fees as required; Social security card personal information registration error; Take the wrong social security card; Or the social security system temporarily failed.

Legal basis:

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

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Article 72

Set up social insurance agencies in the overall planning area. According to the needs of the work, with the approval of the local social insurance administrative department and the organization management organ, the social insurance agency may set up branches and service outlets in this overall planning area.

The personnel expenses of social insurance agencies and the basic operating expenses and management expenses incurred in handling social insurance shall be guaranteed by the finance at the same level in accordance with state regulations.