No, according to the medical insurance policy and actual operation, the medical insurance fund will not be cleared every year. This is because the medical insurance fund is accumulated for a long time and used to pay the medical expenses of the insured. Even if there are surplus funds in one year, these surplus funds will be carried forward to the next year to continue to use, rather than being cleared.

Basic concept of medical insurance pooling fund

The overall medical insurance fund refers to the special fund raised by the state and local governments to pay the medical expenses of the insured. Its sources include individual contributions, unit contributions and government subsidies. The main function of the medical insurance fund is to provide medical insurance for the insured, ensure that they can get timely and effective treatment when they are sick, and reduce their economic burden.

To sum up, the medical insurance fund will not be cleared every year, but will be accumulated and carried forward for a long time.

Legal basis:

Measures for the administration of social basic medical insurance

Article 39

Social security agencies set up personal medical insurance accounts for the insured employees, and pre-record the personal account amount of the insured employees in the current year at the beginning of each settlement year, and settle the personal account amount according to the actual transfer and use at the end of the settlement year.

The actual balance of personal account bears interest according to the provisions of the state, which can be carried forward and inherited according to law. Social security institutions shall provide services for payment units and individuals to inquire about payment records or personal accounts free of charge.