It's better not to use the money in your health insurance card.
The balance in an individual's health insurance account can be accumulated effectively, and there is no expiration date, so the accumulation of money in it, on the one hand, will not expire, and on the other hand, really wait until an individual needs to use to buy drugs, and then take it out and use it, it is more useful for themselves.
Medical insurance generally refers to basic medical insurance, is to compensate workers for the economic losses caused by the risk of disease and the establishment of a social insurance system. Through the employer and individual contributions to this shout, the establishment of medical insurance fund, the insured person sick visit medical expenses incurred by the medical insurance organization to give a certain amount of economic compensation.
Legal basis
The Chinese People's **** and the State Social Insurance Law
Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and employees shall pay the basic medical insurance premiums in accordance with the state regulations **** the same. Individual industrial and commercial households without employees, part-time workers who do not participate in the basic medical insurance of employees in the employing unit, and other flexible employment pants razor punchers may participate in the basic medical insurance of employees, and individuals shall pay the basic medical insurance premiums in accordance with the state regulations. Article 24 The State establishes and improves the new rural cooperative medical care system. The management of new rural cooperative medical care, shall be prescribed by the State Council. Article 25 The State shall establish and improve the basic medical insurance system for urban residents. Basic medical insurance for urban residents shall be a combination of individual contributions and government subsidies. The government shall subsidize the portion of individual contributions required by persons enjoying the minimum subsistence guarantee, persons with disabilities who have lost the ability to work, and elderly persons and minors over the age of sixty from low-income families. Article 30 The following medical expenses shall not be included in the scope of payment by the basic medical insurance fund:
(1) those that should be paid out of the Workers' Compensation Insurance Fund;
(2) those that should be borne by a third party;
(3) those that should be borne by the public ****health;
(4) those who seek medical treatment outside China.
Medical expenses should be borne by the third party according to law, the third party does not pay or can not determine the third party, the basic medical insurance fund will pay first. The basic medical insurance fund paid first, the right to recover from the third party.