I understand that the medical insurance card can be swiped if the medical insurance balance is 0. A medical insurance balance of 0 does not affect medical reimbursement. As long as the medical insurance status is normal, hospitalization can be reimbursed. When the personal account balance is zero, you can't use the functions of outpatient service, emergency treatment and drug purchase in pharmacies, but the medical expenses below the minimum deductible line of the basic medical insurance pooling fund and the expenses exceeding the minimum deductible line can still be reimbursed. Medical insurance card has personal account and overall account. Personal account balance is visible, and the overall account is responsible for medical reimbursement.