It will be cleared. If a personal account has been established before, because each person only pays 250 yuan every year, even if there is a personal account, it is only a few tens of yuan. The money in a personal account will not be cleared until it is used up. The money in a personal account will always belong to the individual. However, since 20 19, the medical insurance for urban and rural residents is not allowed to establish personal accounts. Those who don't have personal accounts belong to the medical pooling fund. The 250 yuan we pay each year, including the 520 yuan subsidized by the state, goes into the medical pooling fund. During the validity period of medical insurance, that is, in the same payment year, generally only hospitalization can enjoy this medical expense, and outpatient consultation can enjoy outpatient co-ordination fee. Therefore, there is no 250 yuan paid by individuals. If you don't go to the outpatient clinic during this period, you don't enjoy the outpatient co-ordination fee and you don't enjoy reimbursement from the medical co-ordination fund, then as long as the end of the year, it marks the end of the validity period of this medical insurance. If it is clear, it is also established. The validity of medical insurance ends, that is, the end of this payment year. If you do not continue to pay medical insurance in the new payment year, you will not enjoy the protection of medical reimbursement, which is equivalent to the previous payment being cleared.

People's Republic of China (PRC) social insurance law

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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 receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.