1, the medical insurance institution has not been transferred, so we need to wait patiently;
2. Query the wrong account and mistake the financial account for the medical insurance account;
3. The balance display is abnormal due to the online switching of the medical insurance system, and it will be restored after the system is improved;
4, personal medical insurance account amount calculation standard changes, affecting the balance display;
5. The electronic medical insurance card is not activated or the local medical insurance information system is not open, which makes it impossible to query the balance;
6. The data cache of the query platform is slow, so it is necessary to carry out peak-shifting query.
Medical insurance policies and regulations:
1. Rules for the use of the medical insurance fund: The medical insurance fund has clear rules and scope. Beyond the prescribed scope or for non-medical consumption, the balance can be reduced;
2. Changes in reimbursement ratio: The reimbursement ratio of medical insurance may be adjusted according to the policy, resulting in a decrease in the actual reimbursement amount;
3. Annual cumulative amount: Medical insurance usually has an annual cumulative maximum payment limit. After reaching the limit, the balance will not increase;
4. Personal account management: Poor fund management of personal medical insurance account may affect the balance if it is not paid in time;
5. Changes in the price of medical services: The price fluctuation of medical services and medicines may also affect the changes in the medical insurance balance.
To sum up, the zero display of medical insurance balance may be due to the delay in transfer processing of medical insurance institutions, account inquiry errors, abnormal display caused by system switching, changes in amount calculation standards, inactive electronic medical insurance card or information system, and data cache of inquiry platform. Please wait patiently or check the query method.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 28
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.
Article 29
The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.
Article 30
The following medical expenses are not included in the scope of payment 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. Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.
Article 4
Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.