Can the balance of medical insurance over the years be withdrawn?

The balance in the medical insurance card generally cannot be withdrawn and can only be used to purchase medicines at designated hospitals and pharmacies. However, the money in the medical insurance card can be withdrawn and used in the following three situations:

1. The use of the medical insurance card is terminated: if the insured person dies, relatives can go through the withdrawal procedures with the death certificate;

2. Immigration of insured persons: Complete the withdrawal procedures with the certificate issued by the public security department;

3. Transfer to other places: After enrolling in insurance locally, the balance of the medical insurance account can be transferred to a new account.

Except for the above situations, any other act of cashing out or withdrawing money from the medical insurance card is illegal, and the money in the medical insurance card pooling account cannot be withdrawn.

Function of medical insurance card:

1. Purchase medicines at designated pharmacies. Many designated pharmacies cooperate with medical insurance, and you can use the balance in your medical insurance card to purchase medicines;

2. Go to designated hospitals for medical treatment. After getting sick, you need to go to the hospital for medical treatment. In serious cases, you need to go through hospitalization procedures. Eligible expenses can be reimbursed by medical insurance, and the medical expenses incurred that need to be borne by the individual can be directly deducted from the balance of the medical insurance card.

To sum up, the account balances over the years can be withdrawn as long as the conditions are met. In most cases, the balance of the current year will be used first when making consumption. If the balance of the current year cannot be used, the balance of previous years will be used.

Legal basis:

"Social Insurance Law of the People's Republic of China"

Article 25

State establishment and Improve the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions and government subsidies. The government subsidizes the required personal contributions for people who enjoy the minimum living security, disabled people who have lost the ability to work, elderly people over 60 years old and minors from low-income families.

Article 29

The part of the medical expenses of the insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance agency and the medical institution and pharmaceutical business unit . The social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in other places to facilitate insured persons to enjoy basic medical insurance benefits.