First of all, make clear the answer. Even if the personal medical insurance account is cancelled, the balance in the card will not be cleared.

The topic that individual accounts for medical insurance will be cancelled is mainly aimed at medical insurance for urban and rural residents. In 219, the state issued a document requiring that by the end of 22, all regions must cancel individual accounts for urban and rural medical insurance and replace them with outpatient co-ordination.

after seeing the cancellation of personal accounts for urban and rural residents' medical insurance, many people may be concerned about how to deal with the personal accounts that they paid before. Will it be cleared?

In fact, the balance in the medical insurance card belongs entirely to everyone's personal assets. Just like the balance in the bank card, everyone can control it freely, except that the money in the personal medical insurance card will be strictly restricted in use, and can only be used to go to designated hospitals and pharmacies to buy drugs, but not to withdraw cash directly or cash out.

after the cancellation of personal accounts for urban and rural residents' medical insurance, the balance of everyone's previous personal accounts will remain on everyone's medical insurance card, and the money can still be used normally, which can be used for reimbursement in hospital or to buy medicines at designated pharmacies.

If you don't go to the hospital or the pharmacy to buy medicine, the balance will remain in your medical insurance card account. As for how to deal with it in the future, we won't know until the relevant policies are notified.

However, from January 221, with the cancellation of individual accounts for urban and rural residents, all personal expenses paid by everyone, including financial subsidies, will be included in the overall fund, which means that there will be no new balance in individual accounts for medical insurance for urban and rural residents in the future.

However, while canceling personal accounts, the scope of medical insurance for urban and rural residents has been greatly guaranteed. On the one hand, the expenses of going to outpatient clinics can also be reimbursed; on the other hand, the reimbursement ratio of serious illness insurance has been increased from 5% to 6%; and on the other hand, chronic diseases such as diabetes and hypertension can also be reimbursed normally.

Therefore, although the individual accounts of urban and rural residents' medical insurance have been cancelled, in fact, everyone's rights and interests have increased. Moreover, by canceling the individual accounts of urban and rural residents' medical insurance, the funds of urban and rural residents' medical insurance can play a greater role and make the fund benefits of urban and rural residents' medical insurance greater, so as to truly help each other.

Therefore, the cancellation of individual medical insurance accounts for urban and rural residents is beneficial to both individuals and the operation of the entire medical insurance fund for urban and rural residents, which can be said to be a win-win situation.