The ways to check the balance of your own medical insurance fund are:
1, online query
Log on to the local medical insurance website, enter the medical insurance card number and password, and after real-name authentication, you can query the medical insurance balance. It should be noted that medical insurance websites in different regions may be different. Please refer to the local medical insurance policy for specific operations.
2. Telephone enquiry
Call the local medical insurance service hotline and follow the voice prompts to check the medical insurance balance. The service hotline can be obtained online, or you can call the local social security consultation number.
3, social security center query
Bring your ID card or social security card to the local social security service center for on-site inquiry. This method needs to wait in line, so it is recommended to give priority to online or telephone inquiry.
4, mobile APP query
Download the local social security APP, and you can check the medical insurance balance after real-name authentication. Take Alipay as an example, search for "Medical Insurance electronic certificate" on the homepage, and then follow the prompts to check the medical insurance balance.
5, pharmacy query
With relevant evidence, citizens can directly go to major pharmacies or medicine counters and ask the staff of pharmacies or medicine counters about the balance of personal medical insurance cards.
6. Mobile banking inquiry
At present, most medical insurance cards are jointly issued with banks, which have the functions of both medical insurance accounts and financial accounts.
Why is the balance inquiry of medical insurance card zero?
1, wrong query method.
Medical insurance cards are divided into medical insurance personal accounts and medical insurance financial accounts. If you don't deposit money in the financial account, you can check it at the bank's ATM, so that there will be no money in the medical insurance card. If you need to inquire about personal medical insurance accounts, you need to go to designated hospitals, pharmacies and medical insurance agencies, or call the social security hotline 12333.
2. The medical insurance institution has not transferred the account.
If you haven't got the medical insurance card for a long time and the balance is displayed as zero, then it may be that the medical insurance agency has not officially transferred the money, so just wait patiently.
3, to participate in medical insurance for urban and rural residents.
At present, the basic medical insurance for urban and rural residents is gradually canceling the personal medical insurance account, and it needs to transition to the outpatient co-ordination account. Therefore, the insured who participates in the medical insurance for urban and rural residents no longer has a personal account for medical insurance. Please check that the balance is zero yuan. If there is money in it before, it can be used as insurance premium for next year.
As can be seen from the above, there are many ways to query the balance of medical insurance card. In addition to going to the bank, you can also check social security official website online, or there are channels such as WeChat and Alipay.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 4
Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.
Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.
Article 27
Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.
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.