Hello, there are no consequences. The money in the medical insurance card is the amount stored in the personal account, which is used to pay for the outpatient treatment and hospitalization of employees. If the employee terminates the contract, it will not affect the use of personal account balance. Decision of the State Council on Establishing the Basic Medical Insurance System for Urban Workers [1998] No.44 Third, to establish the basic medical insurance pooling fund and individual account, it is necessary to establish the basic medical insurance pooling fund and individual account. The basic medical insurance fund consists of overall funds and individual accounts. The "five risks", including medical insurance, are handled by the "Golden Insurance Project" software system. The software system realizes the unified declaration, unified base and unified "one-stop" service of "five insurances", and changes the current situation that the five insurances are handled by different institutions, and the insured units and individuals have to go to multiple departments to handle insurance business. In the "Golden Insurance Project" software system, every employee who declares "Five Risks" has a fixed social security number, which is used to pay the corresponding "Five Risks" premium. Although the residents' medical insurance premiums already paid cannot be refunded, if they lose their jobs halfway, they can still go through the transfer procedures and enjoy the residents' medical insurance benefits.

The basic medical insurance premiums paid by individual employees are all included in individual accounts. The basic medical insurance premium paid by the employer is divided into two parts, one part is used to establish the overall fund, and the other part is included in the personal account. The proportion of individual accounts is generally about 30% of the employer's contribution, and the specific proportion is determined by the overall planning area according to the payment scope of individual accounts and the age of employees. The overall fund and individual account shall delimit their respective payment ranges, and shall be accounted for separately, and shall not occupy each other. Determine the qifubiaozhun and the maximum payment limit of the overall fund. In principle, the qifubiaozhun is controlled at about 10% of the average annual salary of local employees, and the maximum payment limit is controlled at about 4 times of the average annual salary of local employees.

Medical expenses below Qifubiaozhun shall be paid by personal account or borne by individuals. Medical expenses above Qifubiaozhun and below the maximum payment limit are mainly paid from the overall fund, and individuals also have to bear a certain proportion. Medical expenses exceeding the maximum payment limit can be solved by means of commercial medical insurance. The specific qifubiaozhun, maximum payment limit and personal burden ratio of medical expenses above the qifubiaozhun and below the maximum payment limit of the overall planning fund shall be determined by the overall planning area according to the principle of balance of payments.

legal ground

Social insurance law