Can I withdraw money from the medical insurance passbook?

You can't take it out. It is forbidden to cash out the medical insurance card, and no unit or individual may violate the scope and requirements of the medical insurance card, and it is strictly forbidden to cash out. If it is found out, it will be frozen and medical insurance cannot be used. The purpose of medical insurance is to reduce the economic pressure caused by sudden diseases in the future by paying insurance premiums continuously. The medical insurance system is an important part of the social security system and plays an important role in the stability of people's lives.

First, how to apply for medical insurance

Generally speaking, medical insurance is handled centrally by the unit where employees work, but people without work units can also apply for medical insurance themselves or buy suitable commercial medical insurance.

According to China's medical insurance regulations, anyone who meets the requirements can apply for personal medical insurance, but the medical insurance application process of different people is different, and some corresponding documents and materials need to be provided.

If it is handled by an individual, a complete personnel file is required, and the individual can bring his own file to the local social security center for handling.

If the unit where the individual worked before has already applied for personal medical insurance, you only need to issue a certificate to prove that the labor relationship has been terminated, and then you can go to the social security center with the relevant insurance materials.

It should be noted that individuals must carry their ID cards and then open accounts at designated banks as required. After opening an account, they should tell the social security center the card number. There is no charge when handling, and the amount of medical insurance payment is completely determined by the individual.

Second, the role of medical insurance passbook

Beijing's regulations: After taking out medical insurance, a personal account passbook of Bank of Beijing will be issued. The money in the passbook can be used to buy some daily medicines and pay a small amount of outpatient medical expenses. The money in the passbook can be freely controlled or accumulated for future use. If you are in good health, you can take it out to eat, buy clothes or buy a mobile phone temporarily. However, when it comes to medical expenses, you have to prepare them yourself.

The personal account passbook of Bank of Beijing Medical Insurance can only withdraw money from it, but can't save money, so it can't be used as a general savings passbook.

According to the provisions of the basic medical insurance in Beijing, the amount transferred to the employee's personal account is:

Part of the basic medical insurance premium paid by employees+the basic medical insurance premium paid by the employer shall be credited to the personal account according to the following standards: employees under the age of 35 shall be credited to the personal account according to 0.8% of their monthly salary base; Employees over 35 years old and under 45 years old will be transferred to personal accounts according to 1% of their monthly salary base; Employees over the age of 45 are included in personal accounts according to 2% of their monthly salary base.

legal ground

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

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.