The full name of the social security card is called social security card, social security card in the money the company paid part of the money should be how to use it?

Social security card, the full name is called social security card, but all the money related to social security, attributable to the individual money will generally be reflected in the social security card, but because the social security card is not only social security functions, but also has a financial function, so the money in the social security card is also two parts. The first part of the financial function of the money, this part of the money, such as monthly to the card on the pension insurance, this only retired workers can be played into, the other is personal savings, must be personally saved in order to have, for some unemployed people, to receive the work injury benefits to work, receive maternity benefits to people, some places will be the funds into the social security card financial function.

The second part of the money is the money that goes into the social security card every month, which is mainly the assets of the individual account of the health insurance. Although the social pension insurance is also divided into the integrated account and individual account, the integrated account and individual account of the social pension insurance will not actually into their social security card, but through the social security card set up by the login password, we can understand how much money they paid, how much money the enterprise paid, how much money in the individual account, but the money is not in the social security card, in the absence of any for the occasion of the retirement, I also But this money is not in the social security card, in the absence of any retirement, I also can not use, exist in everyone's line of sight is only a number, this number is the future according to the way to receive monthly pension insurance to show.

The only thing you can see clearly is the personal health insurance account assets. The personal health insurance account assets are to be paid to their social security card every month, the source of money for the personal health insurance account is twofold. One is their own monthly in the payment of medical insurance from their own salary deducted 2%, which is also the main part; two is the enterprise to pay 6% of the fee, according to the proportion of 30% returned to the personal account, 6% of the 30% converted into the return of the proportion of nothing more than the proportion of 1.8%, but the enterprise to pay the return of 1.8% is the average return of the proportion for all participants, and not everyone will be the average value! Not everyone will be refunded in accordance with the 1.8%. Some people may be more than 1.8%, some people will be less than 1.8%, which is why some people will return more than 5% or so of the reason; third is the capital interest generated by the capital, the natural personal health insurance account of the capital interest is very low, and our usual savings in the current deposits of the bank savings and loan interest is similar.

From the above analysis, it seems that the money that really belongs to our social security card is actually the personal health insurance account assets. The rest of the money is paid by the employing company and all of us together, but fundamentally does not belong to our own money, for example, the social pension insurance, only after the change into the pension insurance benefit is their own money. For example, the social pension is our own money only after it has been converted into a pension fund, whereas the assets of the individual health insurance account are gradually returned to the social security card from the first refund. In accordance with the standard of refund, the money in this not only has the money paid by everyone, but also part of the money paid by the enterprise, although the proportion is not high, but show a part of the enterprise payment.

Medical insurance units pay a part of the fee, in addition to 30% of the proportion of the refund to the individual account, the remaining 70% is returned to the medical insurance fund account. Transferred to the medical insurance fund account money is usually three areas of use, one can solve the hospitalization expenses of the participants, that is, you have to use part of the money paid by the enterprise, hospitalization expenses reimbursement is a way; the second is to deal with special illnesses, chronic diseases, hospital outpatient costs. Definitely want to use these part of the money, the premise is to be suffering from special diseases, chronic diseases and for hospital outpatient medical card can be applied; three is the future of the enterprise part of the fee will not be returned to the personal account, but with the creation of the outpatient ****ji protection system, in other words the future in the outpatient clinic medical treatment can be reimbursed at least 50% of the cost of the outpatient clinic, but now this policy has not yet been landed type, the policy is implemented after the The policy is implemented after the hospital outpatient medical treatment, at least can be used to the unit to pay a part of the 50% reimbursement of the cost.

Overall, the money in the social security card is actually the money in the personal health insurance account. Individual health insurance account money because in addition to the payment of 2%, part of the enterprise payment also need to return 30% up and down, this money can be through to the designated hospital hospital outpatient, to the designated pharmacy to buy drugs to use; part of the enterprise payment of 70% of the money belongs to the health insurance fund to put the money, this part of the person is very difficult to casually use, only have to do the special disease, chronic disease hospital outpatient medical card in the outpatient, or hospitalization can be based on a proportion of the outpatient, or hospitalization to use the money to the hospital. The only way to apply this is to have an outpatient card for special illnesses and chronic illnesses, or to be reimbursed for medical expenses when you are hospitalized, according to a proportional allocation.