Legal analysis: The money in the medical insurance card will not be cleared, and there is no saying that it will be cleared once a year. There are two types of accounts in medical insurance, one is the overall fund account, and the other is the personal account. Generally speaking, there are two types of accounts in employee medical insurance, while the resident medical insurance only has the overall fund account and no personal account.

legal basis: the social security law's pooling fund account is the account that we usually use to settle when we are reimbursed for medical treatment and hospitalization. The money in it is all from the medical insurance fund pool. If we want to carefully investigate whether it belongs to individuals or not, it should be used by no one, and it implements the * * * economic model, that is, whoever needs it will use it, and it will not be used if it is not needed. We can't see the money in this account. All we can know from the hospital documents is how far it is from the deductible line and the capping line for reimbursement. However, we don't need to see the money in this account, as long as it is compliant with medical expenses, it can be reimbursed.