Personal medical insurance account is the accumulation of medical insurance premium and interest paid by insured individuals. The balance of this account belongs to the personal property of the insured and will not be cleared due to the transfer, interruption or cancellation of the medical insurance relationship.
Employee personal medical insurance account balance query should be:
Regularly inquire and pay attention to the balance of medical insurance account: In order to ensure that their rights and interests are not damaged, the insured should regularly inquire and pay attention to the balance of their medical insurance account to ensure its accuracy.
Reasonable use of medical insurance account balance: When it is necessary to buy drugs or receive medical services, you can use the balance of medical insurance account to pay, but you must ensure that the purchased drugs and services meet the medical insurance regulations.
Avoid waste: don't use the balance of medical insurance account to buy goods or services that are not covered by medical insurance at will, so as not to waste your medical security resources.
Understand the medical insurance policy: the insured should understand the medical insurance policy, including the use of medical insurance accounts and the proportion of reimbursement. In order to better safeguard their rights and interests.
In addition, the balance of personal medical insurance account can be queried and used after opening a medical insurance card bank account, and can also be used to purchase designated commercial health insurance products. After the insured opens the bank account of the medical insurance card, he can check the balance of the medical insurance personal account through the bank APP, website, counter and other channels.
To sum up, the employee's personal medical insurance account balance will not be cleared, which can be used to purchase designated commercial health insurance products, and can also be used for inquiry after opening a medical insurance card bank account.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 29
The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.