Legal analysis: after paying the basic medical insurance, you will have money to return the card. There are two kinds of medical insurance, one is called hospitalization insurance, which can only reimburse hospitalization expenses if you pay more than 100 yuan a month, and the other is called basic medical insurance, which pays 3-400 yuan premium every month and returns a certain amount to the medical insurance card. If you pay the basic medical insurance, the medical insurance card will be paid back every month. If you don't pay it, there will be no money.

Legal basis: Regulations of People's Republic of China (PRC) Municipality on Basic Medical Insurance for Urban Workers.

Article 2 The following units and their employees in towns of this province must participate in the basic medical insurance in accordance with these regulations:

(1) Enterprises and their employees;

(2) Organs, institutions, intermediaries, social organizations, private non-enterprise units and their employees;

(3) Employers of troops without military status and their employees.

These Regulations shall apply to the retirees of the above-mentioned units.

Article 3 The basic medical insurance fund for urban workers shall be established, and the system of combining individual medical accounts (hereinafter referred to as individual accounts) with basic medical pooling funds (hereinafter referred to as pooling funds) shall be implemented. The ownership of personal accounts belongs to individuals. The ownership of the overall fund belongs to all personnel participating in the basic medical insurance.