The balance on the medical insurance card is divided into two parts: the medical insurance personal account and the medical insurance financial account.

1. When the balance of the personal medical insurance account is used up, the balance of the financial account will be displayed as 0.

This is because the financial account uses funds from the medical insurance personal account.

2. If the user is a new insured person, the personal account balance may not have been credited yet.

3. Users may mistakenly query the personal balance of the medical insurance card as the financial balance of the social security card, but the social security card financial account requires an individual to make a deposit to have a balance.

4. Incorrect query methods, such as mistakenly confusing the balance of the personal account of the medical insurance card with the balance of the medical insurance financial account, will also cause the balance to be displayed as 0. 5. Incomplete or incomplete personal account information will also result in the inability to query detailed information

1 2 3. 6. Only individuals who participate in the basic medical insurance for urban employees have personal accounts for medical insurance, while individuals who participate in the basic medical insurance for urban residents do not have medical insurance. The deduction order for medical insurance after the family is financially free: 1. If

If the personal account balance is sufficient to support this consumption, then this consumption will be deducted from the personal account balance first.

2. If the balance in the medical insurance account is insufficient and this consumption fails, the insured will be prompted "You have a valid family financial binding relationship. If you swipe the card again within 5 minutes, you can use family financial consumption." If you participate

If the guarantor chooses to swipe the card again within 5 minutes, the personal account and financial account will be used to consume the personal account balance of the household head.

If the consumption amount exceeds the consumption limit set by the household head, consumption will fail.

After the limit is set, the household head can also modify it later. The limit refers to the total amount that all close relatives bound to the household head can consume.

To sum up, usually only the employee medical insurance personal account can be used as a medical insurance financial account.

The medical insurance financial account means that after the employee binds the personal medical insurance account to his family members, the family members can also use the balance in this account to pay for self-paid medical expenses or drug expenses, of course, only at designated medical institutions or pharmacies.

Legal basis: Article 28 of the "Social Insurance Law of the People's Republic of China" meets the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue medical expenses, and shall be deducted from the basic medical insurance fund in accordance with national regulations.

Pay.

Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance agency and the medical institution and pharmaceutical business unit.

The social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in other places to facilitate insured persons to enjoy basic medical insurance benefits.