The money in the medical insurance card is a personal account, not how much the bank pays. The expenses paid by employees' medical insurance are divided into personal accounts and overall accounts. Personal accounts can be used for outpatient consumption or to pay for self-funded expenses. Overall accounts are reimbursed for large medical expenses such as hospitalization in proportion according to regulations. Therefore, the medical insurance paid does not protect itself, but the state guarantees personal medical care.

taking Zhengzhou as an example, according to Article 22 of the Measures for Basic Medical Insurance for Employees in Zhengzhou City, the employee medical insurance premiums paid by employers and insured individuals constitute the employee medical insurance fund, which is divided into pooling funds and individual accounts.

Article 25 The overall fund is mainly used to pay the hospitalization medical expenses, outpatient medical expenses for specified diseases and outpatient medical expenses for serious and serious diseases. Personal account is mainly used to pay for general outpatient medical expenses, drug purchase expenses and hospitalization medical expenses borne by individuals, etc. When the balance of personal account is insufficient to pay, the excess part shall be borne by individuals. The overall fund and individual account shall be accounted for separately, and shall not be misappropriated.

Extended information:

Article 29 of the Measures for the Basic Medical Insurance for Employees in Zhengzhou City, the hospitalization medical expenses that meet the requirements and exceed the minimum payment limit shall be paid by the pooling fund according to the following proportions:

(1) For on-the-job employees who are hospitalized, the proportions paid by the pooling fund are: community health service institutions 95%, first-class medical institutions 95% and second-class medical institutions 9% respectively.

(2) For retirees who are hospitalized, the proportion paid by the overall fund is: 97% for community health service institutions, 97% for first-class medical institutions, 95% for second-class medical institutions and 93% for third-class medical institutions.

The annual accumulative maximum payment limit of the overall fund is 15, yuan. After the accumulated payment of the overall fund reaches the maximum payment limit in the natural year, the medical expenses beyond the limit shall be paid by the employee's commercial supplementary medical insurance, and the specific measures shall be implemented according to the existing regulations.

Zhengzhou Municipal Government-Measures of Zhengzhou Municipality on Basic Medical Insurance for Employees