It may be used when buying medicine in a pharmacy or when seeing a doctor in the hospital.

Specifically, you can find city services through Alipay, and then select social security inquiry.

Then select the medical insurance column to check the balance of the medical insurance card account.

If you pay for medical insurance but it’s not used that year, do you suffer a loss?

Is it really so?

First of all, the money used for medical insurance reimbursement comes from the fund pool of the medical insurance pool. You can think of it as a huge piggy bank, containing trillions of dollars, all used to reimburse everyone for medical expenses.

This money is the medical insurance premiums paid by each of us. A little bit from you and a little bit from me. When everyone’s money is put together, there will be a large sum of money.

:1. Why are the medical insurance premiums paid for so many years not refunded even if they are not used?

Is this reasonable?

The Municipal Medical Insurance Bureau explained that the first thing to note is that medical insurance is "insurance" rather than "saving money."

What is "insurance"? It is to prevent or resolve certain risks by putting everyone's small money together into big money, and giving it to those in need first, and those who don't need it temporarily can use it when they need it in the future.

aspects of risks.

When it comes to medical insurance, the principle is that people who are sick use money first to resolve medical risks. People who are not sick now can use the money to obtain medical insurance for themselves when they become sick.

Therefore, after participating in the insurance, the money is put into the fund pool. This money is not only your own money, but also everyone’s common wealth. It becomes the “brick by brick” that constitutes the “Great Wall” of solid medical security.

Play your part.

2. Since you paid so much money, where did the money go?

This involves two accounts for medical insurance. The money we usually pay will be divided into two parts, one part is transferred to the personal account, and the other part is transferred to the overall account. Different accounts have different uses.

A personal account is your own account. You can freely use the money, but only for medical related purposes. To put it bluntly, the medical insurance card is equivalent to your bank card, but it can only be used for special purposes and can be used at the place where you see a doctor, such as a designated pharmacy.

For buying medicines, outpatient visits, etc., the overall account, that is, the public account, is where medical insurance really plays a powerful role. As we usually call medical insurance reimbursement, it is the money deducted from this account, not the personal account.