Good news! The balance of medical insurance personal account can buy commercial insurance!

Near the end of the year, the balance of medical insurance card is accumulating.

In addition to taking medicine to see a doctor, can I only sleep on my account?

Of course not! From 20 17, Shanghai Medical Insurance Personal Account supports the purchase of commercial medical insurance. From 10 to 12 this year, the types of commercial insurance that can be purchased have increased from 2 to 4!

Here are four kinds, and An Gongzi has already started with two kinds ~

Not only Shanghai, Jiangsu, Zhejiang, Shenzhen, Chongqing and other provinces and cities 10, but also the balance of medical insurance accounts can be used to purchase commercial insurance.

Are you surprised by wood? ! In fact, in addition to buying commercial insurance, the medical insurance card also hides many "hidden uses"! Today, an Gongzi will take everyone to have a look, get the right posture and easily save a sum of money!

Before I elaborate, let's take a test on your debut!

Correct answer:

ABCDEF

I. Balance of personal account for purchasing commercial insurance

As I said before, there are more than a dozen provinces and cities in China. While using idle funds, some risks can also be transferred to commercial insurance. Very clever decision! However, you can't buy it casually, and you need to meet certain conditions:

1. There is still money in the personal account.

Medical insurance is generally divided into individual accounts and overall accounts. The money in the personal account is your own, and the money in the overall account is used by everyone. To buy commercial insurance with the balance of medical insurance card, the personal account must have a balance, and the balance can only be bought. Regulations vary from place to place:

Remarks: Please consult the local social security bureau for details.

2. Only the specified products can be purchased.

There are different regulations in different places about what insurance can be bought for the balance of medical insurance, mainly three basic types of personal insurance: critical illness insurance, medical insurance and accident insurance. The number of products ranges from 1 to dozens. What's the situation in your city? You can call the local social security bureau at 12333.

Second, personal accounts are shared by the whole family.

In the past, medical insurance cards could only be used by themselves, which caused a problem: in the same family, some people had tens of thousands of medical insurance cards, which could not be spent every day, so they were relieved. Some people maxed out their cards and had to pay for medical treatment.

Now, this embarrassing situation is changing. Many cities such as Guangdong, Zhejiang, Chongqing, Nanchang, Qingdao, Zhengzhou, Ningbo, Harbin and so on. The personal account of the whole family has been realized. Note that personal accounts can only be used to pay medical expenses.

Three. Long-term nursing expense reimbursement

The survey results show that there are more than 40 million disabled and semi-disabled elderly people in China, accounting for 18.3% of the total elderly population. Parents cannot take care of themselves because of old age, illness, disability and other reasons. Do you quit your job and go home to take care of it for 24 hours, or spend tens of thousands of dollars to send it to a nursing home? This multiple choice question is too difficult.

The solution of long-term care insurance is being explored, which provides nursing guarantee and certain economic compensation for the elderly, the weak, the sick and the disabled who have lost their ability of daily living. Shanghai, Chengdu, Guangzhou and Qingdao are all pilot cities.

Let's take Shanghai as an example. Those who are over 60 years old and participate in medical insurance for employees or residents in this city can enjoy long-term care insurance. After the unified nursing needs assessment of the elderly, the degree of disability reached 2~6. Please consult the local medical insurance bureau for details ~

Fourth, the balance of personal account of fitness card.

Some provinces and cities, such as Shandong, Chongqing and Jiangsu. You can use the balance in the personal account of the medical insurance card to get a fitness card. Attention! May not be used to buy food, clothing, fitness equipment or cash.

Verb (abbreviation for verb) free cash withdrawal.

You are not mistaken! Is to withdraw cash! This should be the ultimate dream of many people. At present, medical insurance cards cannot be returned in most areas, but some areas can! For example, Beijing and Tianjin.

Take Tianjin as an example:

70% of the money in the insured's personal account in the current month is transferred from the handling agency to the financial account in the social security card, and it can be withdrawn as long as the social security card financial account is started. The remaining 30% can only be used for medical expenses such as buying medicine and seeing a doctor.

Six, medical expenses reimbursement

This need not be introduced by an Gongzi. Seeing a minor illness and going to the hospital to brush the medical insurance card, basically you don't have to pay for it yourself. It feels really safe.

Of course, if you are unfortunately suffering from a serious illness, there are still many parts of medical insurance that cannot be covered, such as below the deductible, above the capping line, self-funded drugs, imported drugs and so on. This part of commercial insurance can pay for you!