There is less money in the medical insurance card, which may be due to the following reasons:

Medical expenses: One of the main functions of the medical insurance card is to pay medical expenses. If the insured person uses the medical insurance card to pay the medical expenses, the balance in the medical insurance card will be reduced accordingly.

drug purchase in designated pharmacies: sometimes, the insured may use the medical insurance card to buy drugs in designated pharmacies, which will also lead to the reduction of the balance of the medical insurance card.

personal account transfer: in some cases, if the insured changes his/her insured place or work unit, it may be necessary to transfer the funds in his/her personal medical insurance account, which may also lead to a decrease in the balance of the medical insurance card.

The expenses that can be reimbursed by the medical insurance card include the following categories:

Outpatient expenses: including registration fees, examination fees, examination fees, laboratory fees, etc.

hospitalization expenses: including hospitalization deposit, bed fee, operation fee, medicine fee, etc. If hospitalization is needed, the medical insurance card can help to reimburse part of the hospitalization expenses.

drug expenses: the medical insurance card can reimburse part of the drug expenses.

special disease expenses: for some special diseases, such as AIDS, cancer, etc.

to sum up, the decrease of money in the medical insurance card may be caused by medical expenses, drug purchase at designated pharmacies or personal account transfer.

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.

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.