The money in the medical insurance card is a personal account, not how much the bank pays. The expenses paid by employees' medical insurance are divided into individual accounts and overall accounts. Personal accounts can be used for outpatient consumption or to pay their own expenses. The overall account shall reimburse large medical expenses such as hospitalization according to the prescribed proportion. Therefore, the medical insurance paid does not protect itself, and the state protects personal medical care.

Taking Zhengzhou as an example, according to Article 22 of the Measures for Basic Medical Insurance for Employees in Zhengzhou City, the medical insurance premiums paid by employers and insured individuals constitute the employee medical insurance fund, which is divided into overall funds and individual accounts.

Twenty-fifth overall fund is mainly used to pay for hospitalization medical expenses, outpatient medical expenses for specified diseases and outpatient medical expenses for serious diseases. Personal accounts are mainly used to pay for general outpatient medical expenses, drug purchase expenses and hospitalization medical expenses borne by individuals. When the personal account balance is insufficient to pay, the excess shall be borne by the individual. Pooled funds and individual accounts shall be accounted for separately and shall not be misappropriated.

Extended data:

Article 29 of the Measures for the Basic Medical Insurance for Workers in Zhengzhou City shall be paid by the overall fund according to the following proportions:

(1) When employees are hospitalized, the proportion of the overall fund payment is: 95% in community health service institutions, 95% in first-class medical institutions, 90% in second-class medical institutions and 88% in third-class medical institutions;

(2) When retirees are hospitalized, the proportion of the overall fund payment is 97% for community health service institutions, 97% for first-class medical institutions, 95% for second-class medical institutions and 93% for third-class medical institutions.

The annual cumulative maximum payment limit of the overall fund is 6,543,800 yuan+0.5 million yuan. After the cumulative payment of the overall fund reaches the maximum payment limit in the natural year, the medical expenses exceeding the limit shall be paid by the employee's commercial supplementary medical insurance, and the specific measures shall be implemented according to the existing regulations.

Zhengzhou Municipal Government-Measures of Zhengzhou Municipality on Basic Medical Insurance for Employees