Can I brush employee medical insurance when I have no money?

Can I brush employee medical insurance when I have no money?

After the employee's medical insurance account has no money, it is generally impossible to swipe the card. However, if the employee's personal medical insurance account is used up, but the balance of the personal account is not enough to pay the outpatient medical expenses, the outpatient medical expenses can be paid through the balance of the personal account over the years. The specific operation methods may vary according to regions and specific policies. It is recommended to consult the local medical insurance department or relevant institutions for accurate information. There is no money in the personal account of employee medical insurance. Under normal circumstances, you can't swipe your card because there is no balance in your personal account. However, even if there is no money in the personal account of medical insurance, the insured can still use medical insurance to reimburse some medical expenses.

First of all, for outpatient expenses, the insured person can enjoy the treatment of pooling funds after using up his personal account. Specifically, if the remaining expenses after outpatient medical expenses are paid through personal accounts exceed the prescribed deductible line, the excess can be paid by the overall fund in accordance with the prescribed proportion.

Secondly, for hospitalization expenses, even if there is no balance in the medical insurance personal account, the insured can pay part of the medical expenses through the overall fund. During hospitalization, medical expenses that meet the requirements can be paid by the overall fund in accordance with the prescribed proportion.

In addition, even if there is no balance in the medical insurance personal account, the insured can use the medical insurance electronic certificate or social security card for reimbursement. When the insured person seeks medical treatment or purchases medicines, he only needs to show his medical insurance electronic certificate or social security card, and the medical institution or pharmacy can obtain the insured person's medical insurance information from the medical insurance system and complete the reimbursement procedures.

It should be noted that the medical insurance policies in different regions may be different, and the specific operation methods may be different. Therefore, when using medical insurance, the insured should operate according to local specific policies, and consult the local medical insurance department or relevant institutions to obtain accurate information.

To sum up:

After the employee's personal medical insurance account is used up, he can't use credit card to spend. However, if the balance of personal account is insufficient to pay for outpatient medical expenses, the balance of personal account over the years can be used to pay for outpatient medical expenses. For details, please consult the local medical insurance department or relevant institutions for accurate information.

Legal basis:

Article 28 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "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 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "The part of the insured's medical expenses that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units."