Why is the balance of medical insurance account displayed as 0?

The reason why the balance of medical insurance account is displayed as 0 is as follows:

1. Unpaid insurance premium: the balance of medical insurance account can only be generated after individuals and units pay medical insurance premium. If the individual or unit fails to pay the insurance premium on time, the balance of the medical insurance account will be displayed as 0;

2. The medical expenses are lower than the account balance: if the medical expenses of the individual during medical treatment are less than or equal to the balance of the medical insurance account, the balance of the medical insurance account will be displayed as 0;

3. Account abnormality: the personal medical insurance account is abnormal. If the account is frozen or the account information is incorrect, the balance may be displayed as 0;

4. Medical insurance policy adjustment: If the medical insurance policy is adjusted, including the adjustment of reimbursement ratio and deductible line, the balance of medical insurance account may also be displayed as 0.

Standard for filing the balance of medical insurance card:

1. Types of basic medical insurance for insured persons: Different types of basic medical insurance may have different filing standards, such as employee medical insurance, resident medical insurance and new rural cooperative medical insurance.

2. Insured person's medical insurance payment: the filing standard of medical insurance card balance may be affected by the insured person's medical insurance payment, such as arrears, suspension of insurance, etc., which may affect the filing standard of the balance;

3. Local medical insurance policies and reimbursement standards: Medical insurance policies and reimbursement standards in different regions may have an impact on the filing standards of medical insurance card balances;

4. Other relevant factors: Other relevant factors can also be considered, such as the identity, age and scope of medical insurance reimbursement of the insured.

To sum up, if an individual finds that the balance of his medical insurance account is 0, he can consult his medical insurance institution or medical insurance customer service to find out the specific reasons and deal with them. If it is caused by unpaid insurance premiums, individuals need to pay insurance premiums in time to ensure the normal use of medical insurance accounts.

Legal basis:

Article 4 of People's Republic of China (PRC) Social Insurance Law

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 74

The social insurance agency shall obtain the data needed for social insurance work through business handling, statistics and investigation, and the relevant units and individuals shall provide it in a timely and truthful manner.

The social insurance agency shall establish a file for the employer in a timely manner, completely and accurately record the social insurance data such as personnel's participation in social insurance and payment, and properly keep the original vouchers for registration and declaration and accounting vouchers for payment and settlement.

The social insurance agency shall timely, completely and accurately record the individual's personal rights and interests such as social insurance payment, employer's payment and social insurance benefits, and regularly send the personal rights and interests records to me free of charge.

Employers and individuals can inquire and check the records of payment and social insurance benefits from social insurance agencies free of charge, and ask social insurance agencies to provide social insurance consultation and other related services.