The balance of the medical insurance account of the medical insurance card can only be withdrawn after the following four situations exist:

1. The insured person dies, and the unit or family members apply for cancellation of his personal account; 2. The insured person who leaves the country to settle down before retirement withdraws his personal account balance; 3. The foreigner who leaves the country to return to China before retirement withdraws his personal account balance; 4. The migrant workers who are employed across co-ordination areas are unable to go through the transfer procedures of personal account balance and need to withdraw his personal account balance.

Social Insurance Law of the People's Republic of China

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

article 26 the treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

article 28 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.