the arrears of medical insurance card refers to the situation that when an individual's medical insurance card uses medical insurance services, due to the insufficient medical insurance fund in his personal account, the payment cannot be completed, resulting in arrears.

Specifically, when an individual uses a medical insurance card to pay medical expenses, the hospital will first deduct the corresponding expenses from the individual's medical insurance account. If the medical insurance fund in the individual account is insufficient to pay all the expenses, arrears will occur. The amount of arrears needs to be paid by the individual, otherwise it will affect the individual's medical insurance benefits and rights.

The medical insurance card has the following functions:

1. Withdrawal: Very few regions support withdrawing the money in the medical insurance card for free use, such as Beijing;

2. Physical examination: the money from the medical insurance card can be used to pay for physical examination;

3. Vaccination: The money for vaccination can be paid by medical insurance card;

4. Buy commercial insurance: At present, many provinces and cities have supported buying commercial insurance with the balance of medical insurance cards;

5. It can be used as an ID card: the medical insurance card is included in the scope of documents that can be used to prove identity in the criminal law amendment;

6. for fitness: the balance of the medical insurance card can be used to pay for fitness activities in fitness venues. The part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.

to sum up, it is suggested that individuals should pay attention to medical insurance fees in time when using medical insurance services, so as to ensure that the balance of personal medical insurance accounts is sufficient and avoid the impact on their health due to arrears.

Legal basis:

Article 23 of the Social Insurance Law of the People's Republic of China

Employees shall participate in the basic medical insurance for employees, and both the employer and the employees shall pay the basic medical insurance premium according to the national regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

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. Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly and minors who are over 6 years old in low-income families, etc., are subsidized by the government.