If there is a balance in the medical insurance personal account, you can use it. If there is no balance, the medical insurance card cannot be reimbursed. Only treatments that meet the medical insurance catalogue can be reimbursed.

article 28 of the social insurance law of the people's Republic of China meets the standards of the basic medical insurance drug list, diagnosis and treatment items, medical service facilities and emergency and rescue medical expenses, and shall be paid from the basic medical insurance fund in accordance with state regulations.