1. The medical insurance card is not activated. You need to activate the medical insurance card before you can use it normally. If you want to activate the social insurance card, you can go to the bank, the medical insurance center or call the social security hotline to activate it. When activating the medical insurance card, you must change the initial password of the medical insurance card;

2. It has not been used in the specified area. At present, the medical insurance card has not been networked nationwide, so the medical insurance card can only be used in the insured place. Only when the medical insurance card is opened in the insured place can it be used for reimbursement. However, the balance of the personal account of the medical insurance card can not be used, even if the medical insurance transfer is handled, the balance of the personal account of the medical insurance card can not be transferred;

3. The medical insurance card has expired. The medical insurance card also has a clear term of use. If the medical insurance card expires, it can't be used any more, and you need to go to the medical insurance center for a new one.

4. The medical insurance center hasn't paid the account yet. The money in the personal account of the medical insurance card will be transferred regularly every month. If the money has not arrived, it will naturally be impossible to brush it out. At this time, you can only wait for a period of time, and you can use it normally after the account is successfully transferred;

5. It is not within the scope of reimbursement. The scope of medical insurance reimbursement in China is stipulated, and it will only be reimbursed if it is used in the social security catalogue. However, some self-funded drugs outside the catalogue can be paid by using the balance in the personal account of the medical insurance card.

Legal basis:

Article 28 of the Social Insurance Law of the People's Republic of China

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.

article 29 the part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by the social insurance agency, medical institutions and pharmaceutical trading units.

the social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in different places, so as to facilitate the insured to enjoy the basic medical insurance benefits.

Article 3 The following medical expenses are not included in the payment scope of the basic medical insurance fund:

(1) Those that should be paid from the industrial injury insurance fund;

(2) It shall be borne by a third party;

(3) It shall be borne by public health;

(4) seeking medical treatment abroad.

the medical expenses shall be borne by the third party according to law. if the third party fails to pay or cannot determine the third party, the basic medical insurance fund shall pay in advance. After the basic medical insurance fund has paid in advance, it has the right to recover from the third party.