Legal analysis: When the balance of the medical insurance card is , it does not affect the medical reimbursement. Even if there is no money in the medical insurance card, as long as the medical insurance is in a normal state, you can continue to enjoy the medical reimbursement, but the self-paid part can only be paid in cash, and cannot be paid in advance from the medical insurance card. Reimbursement involves pooling the money in the account. The money I paid myself went into the personal account of medical insurance. Personal account is the balance in the medical insurance card that we usually see, which can be used to buy medicine at the designated pharmacy, and can be used to pay the outpatient expenses and the personal out-of-pocket part of hospitalization expenses. The money paid by the unit or the government goes into the overall account of medical insurance. The overall account is mainly responsible for medical reimbursement. For example: how much money, how much range, what drugs, etc., as long as the reimbursement conditions are met, in fact, the money is directly transferred from the overall account to the hospital. Therefore, when the balance of your medical insurance card is , it does not affect the medical reimbursement. Even if there is no money in the medical insurance card, as long as the medical insurance is in a normal state, you can continue to enjoy the medical reimbursement, but the self-paid part can only be paid in cash, not paid in advance from the medical insurance card. Reimbursement involves pooling the money in the account.

Legal basis: Article 28 of the Social Insurance Law of the People's Republic of China

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.

article 29 the part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by the social insurance agency, medical institutions and pharmaceutical trading units.