Some people think that the money in the health insurance card will be zeroed out when the card reaches the end of its useful life. As we all know, both bank cards and health insurance cards have an expiration date. This life span refers to the service life of the various cards, not the medical insurance account. If the medical insurance card has reached the end of its useful life, then go to the relevant departments to reissue the medical insurance card. The money in the account will not be zeroed out by changing the card. This common sense has become a misconception in the eyes of many people. Therefore, the money in the medical insurance card will be zeroed out is a social rumor.
The majority of workers and friends will get a medical insurance card after participating in the social security, according to the regulations, the participants are allowed to use the money in the medical insurance account to go to the doctor for reimbursement, or to the designated pharmacy to buy medicine. However, some people may worry that the money of the medical insurance card is zeroed out every year, then the medical insurance card is zeroed out every year? The following article will take you to understand.
There are two types of accounts for health insurance, one is the integrated fund account and the other is the personal account. Generally speaking, the employee health insurance has two types of accounts, while the resident health insurance has only the integrated fund account and no personal account. The money inside the medical insurance card that we talk about everyday is usually the balance in the individual account.
The money in the health insurance card will not be zeroed out, and there is no such thing as a one-year zero. Although you can't get reimbursed after you've stopped paying for six months, as long as there's money in your card, the balance can be used for medication, medical care, and hospitalization, and it won't be cleared.
If a participant stops paying in June, the account balance for that year will be settled in June, plus the account balance for all previous years will be retained in the account, but the balance will be accumulated automatically when the participant resumes his or her enrollment.
Lastly, we remind you that the health insurance card is an important proof of participation for the insured, which must be kept properly. If the card is accidentally lost, it must be lost and replaced in a timely manner, otherwise, the money inside the personal health insurance account, it is possible to be stolen, and personal insurance information may also be leaked.