Can medical insurance card personal account be reimbursed if there is no money?

When the balance of your 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.

Medical insurance is a kind of social security and belongs to the social welfare of the whole people. It is mainly used for reimbursement of medical expenses such as going to the hospital for treatment and buying medicines. According to the different insured groups, medical insurance is mainly divided into three types: urban workers' medical insurance, urban and rural residents' medical insurance and new rural cooperative medical care. The payment object of medical insurance is paid by both parties.

One is ourselves, and the other is the unit or the government. The money we paid ourselves went into the personal account of medical insurance. Personal account is the balance in the medical insurance card we usually see, which can be used to buy medicine at designated pharmacies and to pay for outpatient expenses and hospitalization expenses. The money from the unit or the government enters the medical insurance co-ordination account. The overall account is mainly responsible for medical reimbursement. For example: how much, how much range, what medicine, etc. As long as the reimbursement conditions are met, the money is actually transferred directly from the overall account to the hospital.

What's the use of the funds in the overall account because the payer died unexpectedly? In reality, the basic pension when we retire = basic pension+personal account pension = the average monthly salary of employees in the whole city in the previous year ×20%+ personal account principal and interest and ÷ 120. Among them, the basic pension is paid by the social pooling fund and is the main part of the pension. The funds in the overall account are not allowed to be withdrawn, which is for "overall planning". After all, some people died unexpectedly, and the money paid in the overall account has not been used up, but some people live to be 100 years old, and the funds in the overall account have long been used up. In order to ensure that all the insured elderly people have pensions, they must be allocated as a whole to ensure the implementation of the old-age insurance system.

Legal basis:

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

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.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

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. 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.