No need. The balance on the medical insurance card has nothing to do with medical insurance reimbursement, but the balance on the medical insurance card can be used to pay medical expenses. No money in the medical insurance card will not affect the reimbursement expenses. Even if there is no money in the medical insurance card, as long as the social security is paid continuously, the medical insurance will be in a normal state and you can continue to enjoy medical reimbursement. However, the self-paid part can only be paid by cash/bank card/scan code, and cannot be paid in advance from the medical insurance card. Part of the unit payment or government subsidy enters the medical insurance co-ordination account. The overall account is mainly responsible for medical reimbursement. For example: how much money is above (deductible), how much money is within (reimbursement scope), what medicine (medical insurance reimbursement drug list), etc. As long as the reimbursement conditions are met, the money is actually transferred directly from the overall account to the hospital, that is, the medical insurance card we often hear and see is settled in real time. As for the money in the overall account, don't worry about running out. Belonging to social funds, there will be financial subsidies, but the amount allocated to everyone is limited. The maximum payment limit is the maximum amount that the overall fund can pay, which is why there are many restrictions on medical insurance reimbursement, such as the deductible, the upper limit and the types of drugs that can be reimbursed. It should be noted that although both urban and rural residents' medical insurance and the new rural cooperative medical system have individual contributions, the money is all in the overall account.
Do I have to pay for all the money in the medical insurance?
Whether the outpatient service needs to pay after the balance of the medical insurance card is used up depends on the following conditions:
1. If the parties need to pay medical expenses, they need to pay for them in full;
2. If the parties do not need to pay the medical expenses immediately, they can wait until the medical insurance amount arrives next month.
3. Except for those medical expenses that are not covered by the basic medical insurance reimbursement, as long as the insured pays the social insurance premium normally, the Social Security Bureau will put a sum of money into the medical insurance card every month according to the payment ratio.
There is no money in the social security card, so there is no need to pay for medical treatment. Because according to the relevant laws and regulations, there is no need to pay medical expenses if the social security card has no money. The balance on the medical insurance card has nothing to do with medical insurance reimbursement, but it can be used to pay medical expenses, so there is no need to pay medical expenses when the social insurance card has no money, because it will not affect the reimbursement expenses, even if there is no money in the medical insurance card. As long as you continue to pay social security, medical insurance is in a normal state and you can continue to enjoy medical reimbursement, so you don't need to pay medical expenses when the social security card has no money.
Legal basis:
People's Republic of China (PRC) social insurance law
Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.
Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.