The personal account balance in the social security card refers to the account balance of the medical insurance. As long as you participate in the medical insurance normally and participate in the insurance according to the payment ratio of 8%, you will establish your own personal medical insurance account. The balance in the personal medical insurance account is

It must be used for special purposes, that is, you can go to pharmacies to buy medicines or go to outpatient clinics for settlement, but it cannot be used as cash.

However, there is no personal account balance for urban and rural residents' medical insurance.

For insured persons who have participated in the urban employee medical insurance, when paying medical insurance premiums, they are usually paid jointly by the individual and the employer. Part of the payment by the enterprise will go into the overall account, and part will go into the individual account.

All the money paid by individuals will go into their personal accounts.

Generally speaking, the money in the medical insurance pooling account is mainly used to reimburse the insured person for hospitalization medical expenses incurred in designated medical institutions, while the balance in the medical insurance individual account can mainly be used to pay the following medical expenses: 1. The insured person

Outpatient expenses incurred in designated medical institutions; 2. Drug expenses incurred by insured persons when purchasing drugs at designated retail pharmacies for medical insurance; 3. Among the basic medical expenses for specific outpatient items, medical expenses below the minimum payment standard of the overall fund; 4.

Medical expenses that exceed the basic medical insurance payment limit and should be borne by the individual; 5. Other medical expenses that comply with regulations.

Legal basis: Article 14 of the "Social Insurance Law of the People's Republic of China" Personal accounts are not allowed to be withdrawn in advance, the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax is exempted.

If an individual dies, the balance of his or her personal account can be inherited.

Article 28 Medical expenses that comply with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue expenses shall be paid from the basic medical insurance fund in accordance with national regulations.

Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance agency and the medical institution and pharmaceutical business unit.

The social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in other places to facilitate insured persons to enjoy basic medical insurance benefits.