The reasons why the balance of medical insurance card suddenly became zero in p>221 are as follows:

1. Paying social security only insured the old-age insurance, but did not buy medical insurance;

2. The social security paid by the insured is not what we call social insurance for urban workers, but social insurance for urban and rural residents;

3. The insured pays social security in the form of flexible employment.

medical insurance is the medical insurance in which the insurance company pays the insured the insurance money by time, by day or by project according to the subsidy standard stipulated in the contract. Claims have nothing to do with the actual medical expenses, and invoices are not required.

it is suggested that the first thing to consider when purchasing medical insurance is the reimbursement of medical expenses, and then the compensation for losses caused by hospitalization can be considered. Only by consolidating the basic guarantee and supplementing it can the icing on the cake be added. People with adequate social insurance can give priority to subsidized medical insurance when choosing medical insurance.

insurance principle in insurance, there is a question about whether the compensation principle is applicable to health insurance. This problem cannot be generalized. The principle of compensation means that "the compensation obtained by the insured cannot be higher than its actual loss". Subsidy-paid medical insurance is not applicable, and the payment of insurance benefits has nothing to do with actual losses. Its design principle is actually to consider the wage loss of the insured due to sick leave during hospitalization, so the contract stipulates that the subsidy fee will be paid according to the number of days of hospitalization. It does not consider the actual hospitalization expenses and has nothing to do with the actual economic losses. It belongs to a kind of "fixed value insurance".

legal basis

social insurance law of the people's Republic of China

article 69 social insurance funds shall be invested and operated in accordance with the regulations of the State Council to maintain and increase their value under the premise of ensuring safety.

the social insurance fund shall not be used for illegal investment and operation, for balancing other government budgets, for building or rebuilding office space, for paying personnel expenses, operating expenses and management expenses, or for other purposes in violation of laws and administrative regulations.