Medical insurance can still be reimbursed if there is no money. No money in the medical insurance card does not affect 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 medical reimbursement, but the self-funded part can only be paid in cash and cannot be paid in advance from the medical insurance card. Reimbursement includes pooling the money in the account.

Article 2 of People's Republic of China (PRC) Social Insurance Law?

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 26

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.

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.