The balance of the personal account in the medical insurance card can be accumulated. The personal account principal and interest of the medical insurance card are owned by the individual and can be carried forward and inherited, but cash cannot be withdrawn or used for other purposes.

taking Zhengzhou city as an example, according to Article 25 of the Measures for the Basic Medical Insurance of Workers in Zhengzhou City, the overall fund is mainly used to pay the hospitalization medical expenses, outpatient medical expenses for specified diseases and outpatient medical expenses for serious and serious diseases. Personal account is mainly used to pay for general outpatient medical expenses, drug purchase expenses and hospitalization medical expenses borne by individuals, etc. When the balance of personal account is insufficient to pay, the excess part shall be borne by individuals. The overall fund and individual account shall be accounted for separately, and shall not be misappropriated.

article 26 the principal and interest of an individual account are owned by the individual and can be carried forward and inherited, but cash cannot be withdrawn or used for other purposes.

Extended information:

Article 23 of the Measures for Basic Medical Insurance for Employees in Zhengzhou City, the medical insurance premiums paid by employees are fully credited to personal accounts, and part of the medical insurance premiums paid by employers are credited to personal accounts according to different proportions:

(1) Those under 45 years old are credited to 1% of their own payment base;

(2) Those who have reached the age of 45 and have not retired (resigned) will be included according to 2% of their contribution base;

(3) Retired (retired) personnel are included at 4.5% of their basic pension.

the rest is used as a unified fund, which is managed and paid by social insurance agencies.

article 28 of the social insurance law of the people's Republic of China meets the standards of the basic medical insurance drug list, diagnosis and treatment items, medical service facilities and emergency and rescue medical expenses, and shall be paid from the basic medical insurance fund in accordance with state regulations.

article 29 the part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by the social insurance agency, medical institutions and pharmaceutical trading units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places, so as to facilitate the insured to enjoy the basic medical insurance benefits.

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