The first reason is that there are too many funds in personal accounts, which have not played the role of medical insurance. The second reason is that 30% paid by the unit is transferred to personal account, which weakens the function of medical insurance as a whole. The third reason is that after the personal account medical insurance fund is reduced, the reimbursement for general outpatient service will increase, and the reimbursement ratio will start from 50%.

Personal account of medical insurance is an important part of medical insurance fund, which is used for individuals to pay part of medical insurance premiums and reimburse medical expenses. If the personal account of medical insurance is short of money, there may be the following reasons: 1. Medical insurance reimbursement: if an individual uses medical insurance reimbursement, the money in his personal account will be reduced accordingly. At this time, you can check the medical insurance reimbursement record to confirm whether there is reimbursement. 2. Personal account management fee: Medical insurance personal account will charge a certain management fee. If the balance in the account is not enough to pay the expenses, it will also lead to the phenomenon of low account money. At this time, you can check whether there is any unpaid account management fee. 3. Medical insurance fund adjustment: There may be fund adjustment because the medical insurance fund is summarized and then distributed. In this case, although the individual has done nothing, the money in the account will be transferred to other regions or other medical insurance institutions. If you find that your personal account is short of money, you need to verify the payment records and medical insurance reimbursement in time. If there is any abnormality, you can consult the medical insurance institution or relevant departments to find a solution.

If you find that there are fewer personal accounts for medical insurance, it is recommended to check and verify your payment records and medical insurance reimbursement as soon as possible. If it is confirmed that there is nothing unusual, but the amount in the account still changes, you can consult the medical insurance institution or relevant departments to find a solution. If there is any abnormality, you can complain and report to the local medical insurance supervision and management institution.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis:

Article 30 of the Social Insurance Law of People's Republic of China (PRC) The following medical expenses are not included in the payment scope of the basic medical insurance fund: (1) Those that should be paid by the industrial injury insurance fund; (2) It shall be borne by a third party; (three) shall be borne by public health; (4) Go abroad for medical treatment.