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Why is the balance of medical insurance personal account always zero?

1. The social security paid is paid by individuals who are flexible employees. In this case, no personal medical insurance account is established, so it is . ?

2. The personal account information of medical insurance is incomplete, which may be due to the incomplete display of local social security information. If you want to inquire about complete information, you can only go to the local social security service outlets.

3. It is possible that the amount in the personal account of medical insurance has been completely used up when the doctor buys medicine.

4. If it is a new insured person, the amount of personal medical insurance account has not been transferred.

under normal circumstances, the medical insurance account is divided into two accounts, namely, the bank financial account and the social security account. These two accounts are independent of each other and funds cannot be transferred to each other. The expenses paid by the insured are usually in the social security account. The reason why the balance of medical insurance account is displayed as is mainly because it is queried on ATM, and only financial accounts can be queried on ATM, while social security accounts need to be queried at designated pharmacies, designated medical institutions or social security centers.

Extended information:

Precautions for the use of medical insurance:

New employees can enjoy employee medical insurance after paying social insurance in the company, and the outpatient emergency expenses that meet the medical insurance requirements in the designated hospitals will be paid by personal account funds first. After paying more than a certain amount (usually 15 yuan, which can be accumulated), according to the regulations, certain medical expenses will be reimbursed by the medical insurance pooling account under different circumstances, and the proportion is usually between 5% and 7%.

Drugs in medical insurance are classified into Class A, Class B and Class C.. Class A drugs are drugs with low prices among similar drugs, which are uniformly formulated by the state, and all of them are included in the coverage of the basic medical insurance fund, and the self-payment ratio is about 1%. Class B drugs are drugs that can be used selectively, but the price is slightly higher than that of Class A drugs. The out-of-pocket ratio is 2% or 1%. Class C drugs are completely at their own expense.

Baidu encyclopedia-medical insurance account