Legal analysis: the personal account of medical insurance card can not be withdrawn or refunded, and its personal account can be used to pay for medical treatment items or buy medicines. Scope of use of medical insurance card: When insured employees buy medicines in designated hospitals and pharmacies, they can swipe their cards on POS machines with their passwords, but they cannot withdraw cash or transfer money.

Legal basis: Regulations of People's Republic of China (PRC) Municipality on Basic Medical Insurance for Urban Workers.

Nineteenth basic medical insurance premiums paid by employees are all included in personal accounts. 25-35% of the basic medical insurance premium paid by the employer is used to establish individual accounts for retirees and employees, and the specific payment methods are formulated by the provincial people's government according to the principle of caring for the elderly; The remaining funds are used to establish a unified fund.

Article 20 The basic medical insurance fund shall be managed with two lines of revenue and expenditure, and shall be included in the financial special account of the social insurance fund, which shall be used exclusively for the basic medical care of employees and retirees, and shall not be used for other purposes.

Twenty-second personal accounts may not withdraw cash, overdraw, overspend or roll over for personal use. When employees and retirees die, the balance of funds in their personal accounts can be inherited.