These may be the reasons why the balance of the medical insurance account is zero.

Medical insurance generally refers to basic medical insurance, and most users will pay basic medical insurance. When paying medical insurance, you can choose to pay resident medical insurance or employee medical insurance. When paying medical insurance, you will encounter many problems. Many users said that they paid the medical insurance fee normally. Why is the balance in the medical insurance account zero? Let's get to know each other.

Why is the balance of medical insurance account zero?

1 The insured person participates in medical insurance for urban and rural residents.

Medical insurance for urban and rural residents is paid annually, and individual contributions are only a few hundred yuan per year. Due to the low payment base of urban and rural residents' medical insurance, there is no personal account for urban and rural residents' medical insurance, and all the medical insurance expenses paid by the insured enter the overall account to reimburse hospitalization expenses, so the balance of the medical insurance account is zero.

2 Insured persons participate in social security as flexible employees.

Although flexible employees also participate in urban workers' medical insurance, the social security policies of flexible employees vary from place to place. Not all flexible employees will establish personal medical insurance accounts, so there will also be zero medical insurance accounts.

For example, in some areas, the proportion of medical insurance payment for flexible employees has two grades, the proportion of high-grade payment is about 8%, and the proportion of low-grade payment is about 4%. Only when the insured chooses a high-grade proportion will he establish a personal medical insurance account. In other words, if flexible employees choose to pay employee medical insurance according to low-grade standards, there will be no personal medical insurance account, so the balance of medical insurance account is zero.

In some areas, it is also stipulated that the medical insurance for flexible employees will only set up personal medical insurance accounts after retirement, so no money will be refunded every month.

The upgrading of the medical insurance system has led to the suspension of the transfer of medical insurance personal accounts. In this case, the balance of medical insurance personal account can only be seen normally after the medical insurance system returns to normal.

It is also possible that when users participate in employee medical insurance, they use the money in their personal accounts to buy medicines and pay medical expenses at designated pharmacies or hospitals. Running out of money in personal accounts will lead to zero balance in medical insurance accounts.

The above is the reason why the balance of medical insurance account is zero. Generally speaking, if everyone pays employee medical insurance, the general medical insurance will have a balance. If there is no balance, you can consult the local medical insurance department.