Can the balance of medical insurance card be used after death?

Can't use it. After a person dies, the medical insurance card will stop using and need to be cancelled. However, the personal account balance in the medical insurance card can be transferred to the heir's personal account. This means that children can inherit the balance of the deceased's medical insurance card.

Children can use the balance in the medical insurance card to buy over-the-counter drugs before the medical insurance card is blocked. In order to close the account, they need to take the death certificate to the social security agency. Once the formalities are completed, they will receive the balance and interest in the medical insurance card at one time.

Medical insurance is usually paid by both units and individuals. Therefore, the personal account balance in the medical insurance card is regarded as the legacy of the deceased. According to legal procedures, after the death of the deceased, his personal account shall be cancelled and the balance shall be transferred to the personal account of the legal heir in accordance with the provisions of the inheritance law. This ensures that the funds in the medical insurance card can continue to provide medical security for the heirs.

Handling of medical insurance card for the death of the elderly: the legal heir can apply to the local medical insurance bureau for handling the personal account of the elderly. After the death of the insured, the balance in the personal account will be returned to the legal heir or designated beneficiary of the insured. The materials needed for the formalities include: ID card, household registration book, death certificate, cremation certificate, application form, bank account number, etc.

Can I withdraw money from my medical insurance card?

The money in the medical insurance card can't be taken out, so you can only go to the designated hospitals and pharmacies for medical treatment and medicine purchase. But in the following three cases, the money in the medical insurance card can be withdrawn and used:

The medical insurance card is terminated: if the insured dies, the relatives will go through the exit formalities with the death certificate; Immigrant of the insured: handle the surrender formalities with the certificate issued by the public security department; Transfer in different places: after local insurance, the balance of medical insurance account can be directly transferred to the new account.

However, there is a fixed amount and scope of drug reimbursement every year, and you can consult the Social Security Bureau.