How to take out the medical insurance money?

Money in medical insurance can be withdrawn under certain circumstances, including:

1, the insured dies. Relatives can go through the exit formalities with the death certificate.

2. The insured emigrates. You can provide the exit and entry certificate issued by the public security department for withdrawal.

3. Transfer in different places. After the new insured place is insured, the balance of the medical insurance account can be transferred to the new account.

4. Long-term medical treatment in different places. Personal account is included in the financial account of medical insurance card for one-time use.

5. The insured leaves the country (including going to Hongkong, Macau and Taiwan Province for settlement). You can withdraw money from the medical insurance personal account with the exit certificate and other materials.

6. If the insured dies suddenly, the heir can withdraw all the principal and interest of the money in the personal account of medical insurance.

7. The insured returns to the domicile or goes to other places for employment. You can transfer medical insurance according to regulations, transfer the money in medical insurance to other places, and accumulate the payment period of medical insurance.

The money in medical insurance is mainly used to pay medical expenses, including examination fees, medical expenses and registration fees in designated hospitals and outpatient clinics, as well as expenses incurred in purchasing drugs and medical devices in designated pharmacies. The following is a detailed introduction:

1, the funds in the personal account of medical insurance can be used to pay the medical expenses incurred in outpatient service during the year, as well as some expenses borne, paid and borne by individuals during hospitalization or special disease treatment.

2. The funds in the personal account of medical insurance can also be used to pay for some self-funded items and medicines, such as registration fees, filming fees, dental implants and cleaning fees, hospital bed fees exceeding the medical insurance payment standard, western medicine outside the medical insurance catalogue and some vaccination fees.

3. The funds in the personal account of medical insurance can be used to buy over-the-counter insurance.

To sum up, the money in the medical insurance card can usually only be used to pay for outpatient expenses and hospitalization expenses. And there are restrictions on direct withdrawal.

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. Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; 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.