What is the difference between social security card and savings card

Participating in social insurance, there will be a number of aspects of the basic protection, in order to facilitate the masses for social insurance, China has established a social security card system, but up to now, there are still people who are not clear about the difference between social security cards and bank cards. What is the difference between the social security card and the bank card, the following with me to understand the relevant content.

A. What is the difference between social security card and bank card

1, the account function is different.

The bank card (debit card) as a financial payment and settlement medium, itself only purely financial accounts, belonging to a single account card species; and social security card belongs to the composite account card species, the medium not only financial accounts, but also social security accounts.

Ultimately reflected in the function, the bank card can only handle financial services, while the social security card in addition to financial services, there are social security registration, pension, payment, query social security information and health insurance reimbursement costs and other functions.

2, the application process is different.

The bank card can be directly to the bank branch to apply for the card, the card on the spot, activation and can be used normally; while the social security card need to print the social security information to the social security agency, and then to the bank to apply for the last social security agency to make the card, generally can not get the card on the spot, after the card needs to be activated by me to be able to use it normally.

3, the cost concessions are different.

Bank cards generally have a card cost and annual fee, the average daily deposit is less than a certain amount of small account management fees; and now the social security card is still in the promotion period, not only free of cost and annual fee, but also no small account management fees. But the loss fee is generally higher than the bank card, because the cost of social security card to be higher.

Two, the social security card has what commonly used functions

1, electronic credentials: social security card can be used as the cardholder's electronic credentials, you can rely on the card to deal with social security business, social security services;

2, self-service query: cardholders can query the social security card related systems on the basic personal information, social security information, government information, Human resources information, etc.

3. Medical settlement: Social security card can be used interchangeably in foreign places and local areas. Cardholders in the hospital's medical fees and pharmacy drug costs, can be reimbursed by social security card and settlement;

4, benefits and payment: cardholders can use the social security card to receive state subsidies and social security benefits, but also through the social security card to pay for a variety of talent exams and social security fees;

5, financial transactions: social security card also contains some of the bank's financial services, such as savings, withdrawals, transfers, consumption, etc.

Three, the legal basis of social security card

The Chinese people *** and the State social security card management measures

Article 5: Provincial human resources and social security departments or prefectural and municipal human resources and social security departments approved by the Ministry of Social Security, may issue social security cards. No other institution or organization may issue social security cards.

Article 6: the issuance of social security cards in the region (hereinafter referred to as the issuance of cards in the region) should establish a standardized human resources and social security business processes, the business has a strong integrated coordination, to ensure the effective application of social security cards. At the same time, should also have the following technical conditions:

(a) the establishment of the application of social security cards to provide back-office support for business management systems, databases and information networks suitable for the use of the card mode;

(b) with the support of the social security card management and application of the technical force, including personnel, equipment, etc., to be able to quickly complete the application of social security cards, system layout;

(c) the development of a standardized and feasible (C) develop standardized and feasible implementation programs, including application design programs, cost solutions, information collection programs and specific issuance programs;

(D) establish a scientific and perfect social security card issuance, management system and clear internal control procedures, and formulate a plan to deal with emergencies;

(E) other conditions stipulated by the Ministry of Human Resources and Social Security.

Article 7: Application for the issuance of social security cards, the following materials need to be submitted:

(a) a completed application form for registration of social security card issuance;

(b) social security card issuance of the preparation of the situation description;

(c) meet the requirements of the national unified specifications for the application areas and card application file structure (including local expansion of the application areas and indicators);

(d) according to the unified requirements of the card face design style;

(e) the application areas of the card face design;

(f) the social security card issuance and management system and clear internal control procedures, and develop a plan to deal with emergencies.

(v) the region's social security card management methods and implementation details;

(vi) the Ministry of Human Resources and Social Security required to provide other materials.

Article 8: Registration and approval procedures for social security cards:

(a) Provincial human resources and social security departments to issue social security cards, you need to apply for the issuance of materials reported to the Ministry of Human Resources and Social Security Leading Group Office of Informatization for review.

(b) Prefectural and municipal human resources and social security departments to issue social security cards, need to apply for the issuance of materials reported to the provincial human resources and social security departments for the initial review. After passing the preliminary examination, the application will be submitted to the Office of the Leading Group of Informatization of the Ministry of Human Resources and Social Security for examination and approval.

(C) the Ministry of Human Resources and Social Security Leading Group Office of Informatization review and approval, unified for the approved issuance of social security cards for the distribution of social security cards in the region to distribute social security card issuer identification number, and in accordance with the relevant provisions of the State to the national IC card registration center for the record.

(d) If the card-issuing region changes the face of the social security card, the card file structure, etc., it must be reported to the Ministry of Human Resources and Social Security Leading Group Office of Informatization for re-approval. Changes in card manufacturers and products, expanding the card population, increasing the number of cards to be issued, etc., must be reported to the Ministry of Human Resources and Social Security Leading Group Office of Informatization for the record.

Social security cards and bank cards through the above introduction, we know that there are three main aspects of the difference, to understand the difference between these three aspects of the difference, but also on the social security card and bank card characteristics have a comprehensive understanding of the usual university to learn the correct use of social security cards.