Social security card has two functions: social security and finance. How to get the money out of the social security card?

Social security cards have two main functions. One is as a medical insurance account, which is the medical insurance card that was often said before, and it is a social security account. People who only need to pay employee medical insurance can receive a sum of money to enter the medical insurance card every month. This is medical insurance money, which is used to buy medicines at pharmacies, make appointments in hospitals, and buy medicines at designated hospitals for reimbursement. The monthly medical insurance premium introduced in the medical insurance card is different all over the country. Under the age of 35 in Qingdao, 2% of your salary is counted.

35-45 years old, calculated at 2.2%; At the age of 45 and above, personal accounts are included in the standard from 3% of my salary; Personal accounts of retired employees are included in the standard, and 4.5% of my pension is included. Over 70 years of age, the monthly income is less than 90 yuan, according to 90 yuan. At present, Beijing can withdraw money in the form of bank passbook of medical insurance card. At present, in other areas, this part of the money can only be used for pharmacy purchase, hospital appointment registration and so on.

How to get the money for the financial function of social security card? Social security cards have the same financial functions as ordinary bank cards. Just go to the service outlets of social security card cooperative banks or withdraw money through ATM machines, personal online banking and mobile online banking. However, it should be noted that the social security card has two accounts: the social security account and the financial function account, and the two accounts are not related to each other, so the funds in the social security account cannot be obtained.

In order to obtain the money for the financial function of the social security card, the social security institution must issue social security benefits such as old-age insurance, unemployment insurance and maternity insurance, or the insured can independently deposit assets in the operation of the financial function. The medical insurance storage amount in the social security account cannot be obtained, and it must be applied in the designated medical insurance hospital. In a word, the financial function of social security card can obtain money like ordinary bank card, and the prerequisite for obtaining it is that the social security institution issues social security benefits or the insured person deposits assets into the financial function independently.

It is worth noting that social security cards have strong regional differences, not all the money on social security cards can be withdrawn for consumption, and there are conditions for withdrawal.

For example, in Tianjin, only 70% of the personal account medical insurance premium is obtained, while in Beijing, because the medical insurance premium is deposited in an independent medical insurance passbook, you need to take your medical insurance passbook to the Bank of Beijing to withdraw cash. In addition, some areas need to meet the following two conditions, that is, the money on the social security card can be withdrawn.

The insured person leaves the social security insurance area to live in other cities. For example, you have paid personal social security in Guangzhou for five years, and today you are going back to your hometown for development. Then you can apply to the Social Security Bureau in Guangzhou to stop the insurance, and then use it to withdraw the amount in your account.

However, it is particularly important to note that once you have started to pay social security in your hometown, the money inside can't be taken out, so you can only transfer it to the account balance of the new card.

There are two kinds of accounts in the social security card, namely social security account number and financial function, which are not related to each other. Among them, the social security account number is the personal account of the medical insurance insured, which is suitable for medical treatment and drug purchase. Financial functions, like savings cards, can store cash, cash receipts and payments, transactions and so on. In addition, maternity insurance, unemployment insurance, unemployment subsidy and old-age insurance are all needed.

But the foundation needs to be activated. Only by stimulating financial functions can we receive various security benefits.

It is not difficult to stimulate financial functions. Just bring your ID number and social security card, go to the business outlets displayed on the surface of the social security card, go through emergency procedures and change your password.