Legal analysis: the card will not be refunded for the supplementary medical insurance.

medical insurance must accumulate a certain payment period (including deemed payment period) when it retires, which is generally 2 -3 years, and the actual payment period must reach 5 years (or 1 years) before it can enjoy medical insurance benefits for free for life after retirement. If the accumulated payment period at the time of retirement is less than the specified requirements, the poor medical insurance payment period can be paid according to the then rate standard.

Payment of medical insurance for employees:

1. The collection department of medical insurance institutions establishes arrears data information according to the arrears of medical insurance, fills in the Notice of Payment of Social Insurance Premium, and informs the insured units to pay the arrears.

2. For the insured units that cannot pay the arrears in full at one time due to financing difficulties, the collection department of the medical insurance institution will sign a social insurance payment agreement with them. In case of merger, division, bankruptcy, etc. of the defaulting unit, an overdue agreement shall be signed according to the following methods.

1. If the arrears unit is merged, it shall sign a payment agreement with the merging party.

2. If the delinquent units are separated, they shall sign a payment agreement with each branch.

3. If the defaulting unit enters bankruptcy proceedings, it shall sign a settlement agreement with the liquidation team.

4. if the unit is sold or leased by auction, it shall sign a payment agreement with the competent department.

3. The insured unit shall pay back the social insurance premium according to the Notice of Payment of Social Insurance Premium or the payment agreement, and the collection department of the medical insurance institution shall accept it and notify the financial management department of the medical insurance institution to collect the payment.

iv. The collection department of the medical insurance institution accepts the application put forward by the bankruptcy liquidation group of the bankrupt unit, and sends it to the audit and supervision department for handling.

5. The collection department of the medical insurance institution adjusts the arrears information of the insured units according to the information of the employee's medical insurance overdue payment received from the financial management department and the verification information from the audit and supervision department.

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

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. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places, so as to facilitate the insured to enjoy the basic medical insurance benefits.

article 26 the treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.