The negative balance of medical insurance card may be a system problem, so it is recommended to inquire later. Another possibility is that there is a time difference between unit payment and personal consumption, which leads to negative accounts. Under normal circumstances, the unit will pay medical insurance fees for employees regularly, but before the payment information is updated to the individual medical insurance account, if the individual has medical expenses, the account balance may be temporarily negative. With the update of the unit payment information and the synchronization of system data, this negative balance will usually be corrected. If the negative balance persists, it is suggested to contact the personnel department of the unit or the medical insurance agency in time to find out the reason and solve the problem.
Medical insurance operation mechanism:
1. fund-raising: the medical insurance fund is mainly raised by means of unit and individual contributions and government subsidies;
2. Payment method: the medical insurance fund adopts two ways: pooling fund payment and personal account payment;
3. Cost control: medical insurance implements fixed-point procurement of drugs and services, and budget management and other measures to control medical expenses;
4. Reimbursement policy: Medical insurance reimburses the insured's medical expenses according to different types of insurance and policies;
5. Risk management: Medical insurance carries out risk management by establishing risk funds, implementing graded diagnosis and treatment.
To sum up, the negative balance of employee medical insurance is usually a temporary phenomenon caused by the delay of system synchronization or the time difference between unit payment and personal consumption. It is recommended to wait for the system update or contact relevant departments to confirm the situation and take corresponding measures to ensure the accuracy of account balance and the protection of personal rights and interests.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 23
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.