What happens if the balance of the health insurance card is zero? 10

Medical insurance personal account.

The balance is 0, which may be due to the following reasons:

1. Only the pension insurance is insured when paying social security.

There is no medical insurance. For example, flexible employment.

The form of social security payment is that you can only choose to participate in the pension insurance, and many people are able to receive a pension.

And at the same time reduce the burden of social security, there is no choice to buy medical insurance. Although we also have a social security card to participate in the endowment insurance, but we have not purchased medical insurance, the balance of our medical insurance account will naturally be "0".

2. The social insurance paid by the insured is not the social insurance for urban employees as we say, but the social insurance for urban and rural residents. In the medical insurance category, the unit pays 8% and the individual pays 2% every month, and the part paid by the unit goes into the overall account, and the part paid by the individual goes into the personal account. If you are insured by social security, then there is no personal account for medical insurance, and the account balance will naturally be "0".

Subject: The social security activated by you for 14 years should belong to the resident social security).

3. The insured person pays social security in the form of flexible employment. If you are insured by urban employee social security and also pay medical insurance, the personal medical insurance account will still be "0". The reason may be that the insured person pays social security in the form of flexible employment, and chooses a 4% contribution rate instead of 8% for medical insurance contributions.

In terms of medical insurance payment, if you choose to pay 4%, then you will not set up a personal account, and we will have a personal medical insurance account if you choose 8%. Since the personal account is gone, the natural balance will be displayed as "0". It is recommended that you can check with your colleagues in charge of social security to understand the actual situation of your medical insurance payment, or bring your ID card.

Visit your local social security management center for advice.

Extended information: 1. What is medical insurance?

1. Medical insurance generally refers to basic medical insurance.

It is a social insurance system established to compensate workers for economic losses caused by the risk of illness. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation.

2. The establishment and implementation of the basic medical insurance system gathers the economic strength of the unit and the members of the society, coupled with the first-class funding, which can enable the sick members of the society to obtain the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick members of the society from "becoming poor due to illness".

When you see a doctor and buy medicine, the medical insurance is directly deducted from the balance, so you have no medical insurance, and the balance still becomes zero.

You can check the consumption records If you have any doubts, you can also go to the Social Security Bureau to check them.

Another reason is that the balance of the medical insurance card you inquired out is the bank account balance in the bank card function of the medical insurance card, and you have not used the bank card function of the medical insurance card to deposit and withdraw money, and the balance is of course zero.

1. The way of inquiry is wrong: the medical insurance card is divided into medical insurance personal account and medical insurance financial account, if you do not deposit money in the financial account, go to the bank's ATM machine to inquire, then there will be no money in the medical insurance card.

2. The medical insurance agency has not yet transferred the account: If you have not been able to get the medical insurance card for a long time, and the balance is displayed as zero when you check the balance, then it may be that the medical insurance agency has not officially transferred the account, so you can wait patiently.

3. Participating in the medical insurance for urban and rural residents: At present, the basic medical insurance for urban and rural residents (including the New Rural Cooperative Medical System and the medical insurance for urban residents) is gradually canceling the medical insurance personal account, and it is necessary to transition to the outpatient co-ordination account.

Extended Materials. 1. The social medical insurance card, referred to as the medical insurance card or medical insurance card, is a special card for medical insurance personal accounts, with personal ID card as the identification code, storing and recording personal ID number, name, gender, account allocation, consumption and other detailed information. The medical insurance card is undertaken by the local designated ** bank, which is a kind of multi-functional bank debit card.

After the insured unit pays the fee, the local medical insurance department will entrust the bank to allocate the part of the personal account to the personal medical insurance card of the insured employee at the end of the month. The social medical insurance card, referred to as the medical insurance card or medical insurance card, is a special card for medical insurance personal accounts, which uses personal ID card as the identification code to store and record detailed information such as personal ID number, name, gender, and account fund allocation and consumption.

2. The medical insurance card is undertaken by the local designated ** bank, which is a kind of multi-functional bank debit card. After the insured unit pays the fee, the local medical insurance department will entrust the bank to allocate the part of the personal account to the personal medical insurance card of the insured employee at the end of the month. The medical insurance card is a functional card containing a chip, which is used for identity verification and medical insurance personal account payment when seeking medical treatment or pharmacy consumption.

For example, (Wuhan City's initial password for medical insurance card is 1234). Medical insurance medical records, a kind of medical records, can be used in all medical insurance designated hospitals in the same city, and are used to record medical insurance medical treatment.

Has social security been severed in the middle?

Possible causes.

1. The way of inquiry is wrong. If you want to inquire about your medical insurance personal account, you need to go to designated hospitals, pharmacies, and medical insurance agencies to inquire, or you can also call 12333 social security** to inquire.

2. The medical insurance institution has not yet transferred the accounts. If you have not been able to get the medical insurance card for a long time, and the balance is displayed as zero when you check the balance, then it may be that the medical insurance agency has not officially transferred the account, just wait patiently.

3. Participating in the medical insurance for urban and rural residents. At present, the basic medical insurance for urban and rural residents (including the New Rural Cooperative Medical System and the medical insurance for urban residents) is gradually abolishing the personal medical insurance account, and it is necessary to transition to the outpatient pooled account. Therefore, the insured who participates in the medical insurance for urban and rural residents no longer has a personal account for medical insurance, so the balance will be zero yuan if you go to check.

Extended Materials. 1. How to use the medical insurance card:

Scope of use of medical insurance card: When insured employees purchase drugs in designated hospitals and pharmacies, they can use the card on the POS machine with the password, but they cannot withdraw cash or transfer money;

2. Balance inquiry of medical insurance card: Insured employees can inquire about the balance by dialing **95566, or at the savings bank of the Bank of China or designated hospitals and pharmacies in the urban area, or they can log in to the social security inquiry system on the Internet. Or use your mobile phone to log in to the mobile social security inquiry network to check the balance of your medical insurance card;

3. Inquiry of medical insurance card transactions: Insured employees can go to the savings office of Bank of China to print the transaction records of medical insurance cards with their ID cards and medical guarantees, including the allocation records and consumption records of personal account funds, and if they have any questions about the transaction records, they can go to the retail business department of Bank of China for inquiry;

4. Medical insurance card password: If the insured employee changes the password, he or she can call **95566 to change it, or he or she can go to the Bank of China Savings Office with his ID card to modify it, and if the insured employee forgets the password, he or she can report the loss of the original password and change the password with his ID card;

5. Custody of medical insurance card: Insured employees should take good care of their medical insurance card, if they are accidentally lost, please immediately go to the unit to issue a letter of certification and go to the medical insurance office to seal and confirm, and then take the ID card to the Bank of China savings office to report the loss, and go through the procedures for replacing the card, and you can get a new card after 7 days;

6. Precautions: When the number of medical insurance card transactions reaches 60 times, the insured employees must go to the Bank of China Savings Office to print the transaction records, otherwise, the use of the card will be stopped. Once the transaction history is printed, the card can continue to be used.

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Hello, the reasons for the balance of the medical insurance card to be zero are generally as follows; 1.If the insured has just obtained the medical insurance card, and the balance is found to be zero when inquiring about it, it may be because the medical insurance agency has not officially transferred the account, and only needs to wait patiently; 2.The inquiry method is incorrect, the social security card generally contains two accounts, one of which is a bank card account, and the two are not universal, therefore, if the balance is checked at the ATM, then only the balance in the bank card account can be queried, and if the bank card account has not been used, then the balance will naturally be displayed as zero; 3.

Flexible employees do not set up a personal account for medical insurance according to the minimum payment level, so the balance is zero; 4.There is no personal account for medical insurance for urban and rural residents, so the balance is zero.

Hello, this is because you don't know the social security card, and the way to check it is also wrong. Because the social security card generally has two accounts, namely the medical insurance account and the bank account, the bank needs to activate the financial function before it can be used, the two accounts are independent of each other, and the funds in the account cannot be transferred to each other. The money you pay for social security (main medical insurance) is in the social medical insurance account, and the money in the medical insurance account is the personal medical insurance payment, which is all included in the personal medical insurance account, and part of the unit payment will be returned to the personal medical insurance account.

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There may be one of the following reasons why the balance of your health insurance card is zero:

1. The way of inquiry is wrong. The medical insurance card is divided into a medical insurance personal account and a medical insurance financial account, if you want to inquire about the medical insurance personal account, then you need to go to the designated hospital, pharmacy, medical insurance agency to inquire;

2. The medical insurance institution has not yet transferred the accounts. If it has not been long to get the medical insurance card, and the balance is displayed as zero when you check the balance, then it may be that the medical insurance agency has not officially transferred the account, and you can wait patiently;

3. Participating in the medical insurance for urban and rural residents. At present, the basic medical insurance for urban and rural residents is gradually abolishing the personal medical insurance account, and it is necessary to transition to the outpatient pooled account.

Legal basisArticle 4 of the Social Insurance Law of the People's Republic of China.

Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.

How to apply for a medical insurance card.

1. The insured person should bring his or her valid documents to the neighboring district and county medical insurance center to apply for it, and the district and county medical insurance center will complete the application on the spot;

2. The insured can also apply for the service point of medical insurance affairs in the adjacent street, and the service point will be completed within 3 working days;

3. The insured can entrust others to handle it on his behalf. The entrusted person shall bring the valid documents of himself and the insured person when handling the application;

4. When the employer handles the application in a centralized manner, it can go to the district and county medical insurance center to which it belongs with the letter of introduction of the unit and the valid certificate of the person in charge, and then the employer will issue the medical insurance card to the insured.

What is the reason why the balance on the medical insurance card of the unit is zero?

The social security policy is not the same, the medical insurance card faces two types of people, one is the unit and the individual pay together, the other is the individual is their own payment, the former medical insurance card has hospitalization reimbursement and outpatient cash accumulation, the latter only hospitalization reimbursement this strange fast, it is recommended that you go to the social security department to verify again or call the local social security consultation**12333 consultation.

1) The social security bureau of the place of purchase.

(2) Call the Social Security Bureau service **12333

First of all, you should find out what kind of medical insurance the unit has purchased for you, whether you have a foreign household registration, if so, it is possible that the unit has purchased hospitalization medical insurance for you, and there is no money in the medical insurance card, so you can't use it to see an outpatient clinic or go to a pharmacy to buy drugs, and you can only enjoy it when you are hospitalized.

Article 74 of the Full Text of the Social Insurance Law of the People's Republic of China Social insurance agencies shall provide the data needed for social insurance work through business handling, statistics, and investigations, and the relevant units and individuals shall provide them in a timely and truthful manner.

The social insurance agency shall establish archives for the employer in a timely manner, record the social insurance data such as the persons participating in the social insurance and the payment of premiums in a complete and accurate manner, and properly keep the original vouchers for registration and declaration and the accounting vouchers for payment and settlement.

The social insurance agency shall timely, completely, and accurately record the personal rights and interests records such as the contributions made by individuals participating in social insurance, the contributions made by employers, and the enjoyment of social insurance benefits, and periodically send the individual rights and interests records to the person free of charge.

Employers and individuals may, free of charge, inquire and check the records of their contributions and social insurance benefits from the social insurance agencies, and request the social insurance agencies to provide social insurance consultation and other related services.

Summary. There are many situations where the balance of the medical insurance personal account is 0, it may be that the balance in the medical insurance personal account has been used up, or it may be because the medical insurance paid is the medical insurance for urban and rural residents, and there is no personal account, and the balance is naturally 0. At present, only individuals who participate in employee medical insurance have medical insurance personal accounts, and all basic medical insurance fees paid by employees are included in personal accounts.

The balance in the personal account is mainly used to pay the outpatient expenses incurred by the insured in the designated medical institutions; Expenditure on the purchase of drugs at designated retail pharmacies; Among the basic medical expenses for inpatient and outpatient specific items in designated hospitals, the expenses below the minimum payment standard shall be coordinated; Expenses that exceed the threshold should be borne by the individual.

There are many situations in which the balance of the medical insurance personal account is 0, it may be that the balance in the medical insurance personal account has been used up, or it may be because the medical insurance paid by the early dust file is the medical insurance for urban and rural residents, and there is no brother Tan account, and the balance is naturally 0. At present, only Lu Chao individuals who participate in employee medical insurance have medical insurance personal accounts, and the basic medical insurance fees paid by individual employees are all included in personal accounts. The balance in the personal account is mainly used to pay the outpatient expenses incurred by the insured in the designated medical institutions; Expenditure on the purchase of drugs at designated retail pharmacies; Among the basic medical expenses for inpatient and outpatient specific items in designated hospitals, the expenses below the minimum payment standard shall be coordinated; Expenses that exceed the threshold should be borne by the individual.

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