In some provinces and cities such as Shandong, Chongqing, Jiangsu and so on. Employees can use their personal account balance to work out in the gym, but not for shopping or cashing out. However, in April, 20 17, Jiangsu Province issued the Notice on Organizing the Special Action of Self-examination and Self-correction of Problems Found in the Audit of Medical Insurance Fund, which explicitly requested to stop the local policy of using personal account funds to purchase fitness cards and other non-medical expenses.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.