The money in the medical insurance card does not need to be spent regularly, because there is no saying that it will be cleared without spending. This is a misunderstanding in many people's minds, especially for flexible employees. Because some people paid the fee but didn't use it, they continued to pay the fee the next year, and the money in the account was gone. This is actually only a part of outpatient co-ordination, and the rest of the money will be transferred to the co-ordination fund, so there is no need to spend it regularly.

There are two kinds of medical insurance in China, one is the basic medical insurance for employees and the other is the basic medical insurance for urban residents. The basic medical insurance for employees is paid at 8% every year, that is, enterprises pay 6% and individuals pay 2%. In this way, the total payment ratio reaches 8%, and individuals can enjoy the establishment of personal medical insurance balance accounts. ?

Basic medical insurance for urban and rural residents, because this kind of medical insurance card is a personal account without medical insurance, and the funds paid are mainly used for medical insurance reimbursement. Most individuals pay low-grade payment standards, so there will be no personal medical insurance account. If they are not reimbursed for one year, the remaining medical insurance balance will not be transferred to the next year, but the money is not cleared, but transferred? Overall fund? You can continue to use it next year. In this way, if hospitalization or serious illness requires reimbursement, the reimbursement ratio will be higher than before.

Therefore, it is not said that the medical insurance card must be consumed within the time limit, let alone cleared. If there is a balance in the medical insurance card account, you can buy some basic drugs commonly used in life, such as cold medicine, antipyretic medicine, sprain medicine, anti-inflammatory medicine, diarrhea medicine, etc., but you don't have to worry that your money will be cleared. You must consult clearly and be within the scope of reimbursement, otherwise you will take it yourself.