Legal analysis: there are two main situations in which the medical insurance card is frozen. One is that the medical insurance card of urban workers may be frozen, mainly because the employer may not pay the insurance premium in time, or pay too much in the last few days of the month.

If it is because the arrears are frozen, you have to go to the Social Security Bureau to pay the fees, and you can unfreeze them immediately and transfer them to individual contributions. It depends on whether your local five insurances are integrated. If you don't merge, you can only pay pension or medical insurance separately. If you join a new unit and pay the fee in time, it will be thawed from next month 15 (at different times in different places).

Legal basis: People's Republic of China (PRC) Social Insurance Law.

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

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.