If the balance of medical insurance card payment is insufficient, it is necessary to pay the rest in cash. The part paid by the individual account is borne by the individual and does not participate in reimbursement. Only the items that exceed the deductible line and fall within the scope of medical insurance reimbursement will be reimbursed.

Taking Zhengzhou as an example, according to Article 25 of the Measures for the Basic Medical Insurance of Workers in Zhengzhou, the overall fund is mainly used to pay the hospitalization 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 27 when the work unit of the insured changes, the balance of the personal account can be transferred with it. Do not have the transfer conditions, you can send it to me at one time. If the insured dies, the basic medical insurance relationship will be terminated, and the balance of his personal account will be transferred to the legal heir at one time. If there is no legal heir, the personal account funds will be transferred to the overall fund.

Extended information:

Measures of Zhengzhou Municipality on Basic Medical Insurance for Employees Article 41 The medical expenses paid by the insured in designated medical institutions with personal accounts shall be settled by social security cards. Social insurance agencies shall settle accounts with designated medical institutions according to the actual medical expenses incurred in individual accounts.

the medical expenses incurred by the insured in the designated medical institutions shall be settled by himself and the designated medical institutions; The part that should be paid by the overall fund shall be accounted for. Social insurance agencies regularly settle medical expenses with designated medical institutions, and reserve a certain percentage of quality margin. The quality deposit shall be returned according to the annual service quality assessment results.

Zhengzhou Municipal Government-Measures for Basic Medical Insurance for Workers in Zhengzhou