Disadvantages of social security card as bank card

First, the shortcomings of social security card as a bank card are:

1. To use the social security card as a bank card, you must open an account in the social security financial account;

2. The social security card is a bank card, which users can use for deposit, withdrawal, transfer and consumption, but it does not have the credit function of the bank card;

3. The financial account of the social security card is a savings card account, and users need to save their own money to use it;

4. The bank where the social security card is opened cannot be changed at will, but different enterprises may have different regulations on the bank where the bank card is opened, so some enterprises do not support using the social security card as a salary card for paying wages;

5. The social security account in the social security card is actually the most important function of the social security card. If the social security card is used as a bank card, it is often done. Once lost, it needs to be reissued in time, otherwise it will affect the use of social security functions, which is more troublesome;

6. When you may be ill in hospital, you need to give your social security card to the hospital. It is not very convenient to use it to save money and withdraw money.

Second, the purpose of the social security card:

1. It can be used as a medical insurance card.

Everyone usually uses social security card for reimbursement of medical treatment, which is one of the most popular uses of social security card at present, and your personal medical insurance account will be refunded every month. When you go to the hospital to register or go to the pharmacy to buy medicine, you can pay the relevant expenses by swiping the social security card.

You can get a pension.

Since June 65438+ 10 last year, China has launched the issuance of the third generation social security card in an all-round way. At present, 9 1.83 million third-generation cards have been issued, and more than 97.6% of social security cards in China have been loaded with financial functions. In this case, the social security card has the function of receiving pension. Retirees no longer need to take a passbook to the bank counter to queue up for cash withdrawal, and it is easy to realize self-service withdrawal.

3. It can be used as a bank card

Social security card increases financial account, which means it is no different from bank card. Moreover, with the development of network technology, bank cards can not only access cash, but also realize online consumption, online transfer and credit card payment. Even if you stay at home, you can buy what you want.

4. Can act as proof of identity.

The social security card has your basic information and your bareheaded photo, so in some specific occasions, the social security card can also be used as proof of identity, such as signing up for the national professional and technical personnel qualification examination, acting as proof of identity to enter the examination room, handling social security or employment-related matters, and can show the social security card.

5. You can query social security information.

The social security card can also query my insurance payment information, personal account balance of medical insurance and pension payment. So that all insured people can know more and don't worry that their hard-earned money will be wasted.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 64 Social insurance funds include basic old-age insurance funds, basic medical insurance funds, industrial injury insurance funds, unemployment insurance funds and maternity insurance funds. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country.

The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.