Medical insurance is directly deducted from the balance when you see a doctor and buy medicine, so if you don't have medical insurance, the balance will become zero.

Can you check the consumption records? If in doubt, you can also check with the Social Security Bureau.

Another reason is that the balance of the medical insurance card you inquired is the balance of the bank account in the bank card function of the medical insurance card. You didn't use the bank card function of the medical insurance card to deposit and withdraw money, and the balance is of course zero. You can bring your ID card to the bank counter and ask for the balance of the medical insurance account again.

The so-called medical insurance hospitalization reimbursement-not after you pay cash first, but when you are hospitalized in a designated medical insurance hospital, you issue a medical insurance card, so that the unified medical insurance settlement system can read the information of the insured and handle the hospitalization number. When you leave the hospital, the medical insurance system will not charge you the "reimbursement" part-the overall payment part.

There are two main settlement procedures for medical insurance, one is special diseases, and the other is emergency settlement. Among them, the special disease is that the designated medical institutions will report the expense list, hospitalization list and related materials of patients discharged last month to the medical insurance agency before 10 every month, and the medical insurance agency will use it as the basis for monthly pre-allocation and year-end final accounts after review.

The medical insurance agency pre-allocated the hospitalization and outpatient expenses for special diseases last month. Insured persons who have been identified as suffering from special diseases shall go to the designated medical institutions designated by the labor and social security departments for medical treatment and medicine purchase, and the medical expenses incurred shall be directly recorded and settled immediately.

Emergency settlement refers to the medical expenses incurred by the insured for emergency rescue to non-designated medical institutions in the city and medical institutions in different places, which are paid in advance by individuals or units. After the emergency rescue, the medical insurance agency shall go through the reimbursement procedures according to the provisions with the hospital emergency medical records, inspections, laboratory tests, invoices and detailed list of medical expenses.

References:

Social medical insurance card _ Baidu Encyclopedia