1, the balance of personal medical insurance account has been used up;

2. Incomplete transfer of medical insurance relationship;

3. The medical insurance card is damaged;

4. System failure;

5. Other reasons lead to abnormal balance display.

Personal medical insurance account is a special fund account for recording my medical insurance financing and paying my medical expenses. If the balance of the medical insurance card is abnormal, you should contact the medical insurance agency in time to find out the reason and solve the problem.

Understand the basic information of medical insurance;

1. Composition of medical insurance: Medical insurance usually consists of basic medical insurance, critical illness insurance and supplementary medical insurance;

2. Sources of funds for medical insurance: mainly including individual contributions, unit contributions and government subsidies;

3. Scope of medical insurance: it is usually used to pay for medical expenses such as medicine, medical treatment and hospitalization;

4. Medical insurance reimbursement ratio: different regions and types of medical insurance reimbursement ratio and policies are different;

5. Medical insurance settlement method: it is divided into two ways: immediate settlement and advance payment before reimbursement.

To sum up, the reason why the balance of medical insurance card is 0 may be that the balance of medical insurance personal account has been used up, the transfer of medical insurance relationship has not been completed, the medical insurance card is damaged, the system fails or other reasons lead to abnormal balance display. If the balance is abnormal, you should contact the medical insurance agency in time to find out the reason and solve the problem.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.