In most areas, the balance of medical insurance accounts cannot be withdrawn in advance.

If insured persons incur medical expenses due to hospitalization, they can go to social insurance agencies, medical institutions, and drug operating units for reimbursement in accordance with the law, but the balance in the account generally cannot be withdrawn.

Legal Basis Article 14 of the "Social Insurance Law of the People's Republic of China" Personal accounts may not be withdrawn in advance, the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax is exempted.

If an individual dies, the balance of his or her personal account can be inherited.

Article 28 Medical expenses that comply with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue expenses shall be paid from the basic medical insurance fund in accordance with national regulations.

Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance agency and the medical institution and pharmaceutical business unit.

The social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in other places to facilitate insured persons to enjoy basic medical insurance benefits.

Warm reminder: The above answers are only based on the current information and my understanding of the law. Please refer to it with caution!

If you still have questions about this issue, it is recommended that you sort out the relevant information and communicate with professionals in detail.