What to do if the money on the Shanghai Medical Insurance Card is used up Legal analysis: After the money in the personal account of the medical insurance card is used up, the individual must bear the responsibility.

After the individual's self-pay amount exceeds the prescribed amount, the excess medical expenses will be borne by the individual in different proportions according to the type of hospital, and the rest will be paid by the overall fund.

When insured persons in urban areas undergo outpatient or inpatient treatment at designated hospitals for medical insurance in urban areas, or receive treatment for special diseases at designated hospitals for special diseases, they should take the initiative to present their "Medical Insurance Calendar" and use their medical insurance card to settle the payment.

The medical expenses incurred by the insured persons for medical treatment shall be paid by the individual in cash if they are borne by the individual. If the medical expenses are paid by the medical insurance fund, the designated hospital shall keep accounts in accordance with regulations and settle with the Municipal Medical Insurance Center.

Medical insurance card is a functional card containing a chip, which is used to confirm identity when seeking medical treatment or pharmacies, and to pay for personal medical insurance accounts.

Medical insurance medical records, a type of medical record, can be used in all medical insurance designated hospitals in the same city to record medical insurance medical treatment.

Legal basis: Article 64 of the "Social Insurance Law of the People's Republic of China" stipulates that social insurance funds include basic pension insurance funds, basic medical insurance funds, work-related injury insurance funds, unemployment insurance funds and maternity insurance funds.

Except for the basic medical insurance fund and the maternity insurance fund, which are jointly established and accounted for, other social insurance funds are accounted for and accounted for separately according to the types of social insurance insurance.

Social insurance funds implement the unified national accounting system.

Social insurance funds are earmarked for exclusive use and may not be misappropriated or misappropriated by any organization or individual.

Basic pension insurance funds will gradually implement national pooling, and other social insurance funds will gradually implement provincial pooling. The specific time and steps will be stipulated by the State Council.