What is the impact of cashing out medical insurance cards on medical insurance?

It is illegal to cash out medical insurance cards. According to the legal interpretation adopted at the eighth meeting in the National People's Congress Standing Committee (NPCSC), defrauding pension, medical care, work injury, unemployment, maternity and other social insurance benefits or other social security benefits by fraud, forgery of certification materials or other means belongs to the act of defrauding public and private property as stipulated in Article 266 of the Criminal Law. Therefore, cashing out the medical insurance card has serious consequences and may be investigated for criminal responsibility and fines.

At present, there are only two situations in which medical insurance cards can be cashed out. First, the insured dies suddenly, and his heirs can withdraw all the money, principal and interest from his medical insurance card. If an heir participates in medical insurance, he can transfer it to his own medical insurance card by transfer. The second is that the insured needs to leave the insured city, and he must stop the medical insurance card first, and then he can withdraw money from the account by stopping the insurance. However, if this person has been insured in other cities, he must transfer the money in the deactivated medical insurance card to a new account.

If you change jobs across provinces, you can choose to transfer medical insurance, or you can choose to transfer medical insurance.

1, handle the medical insurance transfer

Before going to a new city, you need to cancel the medical insurance in the original insured place and transfer the medical insurance. The specific process is as follows:

(1) Go to the local social security agency to cancel the medical insurance relationship.

(2) Apply to the Municipal Social Security Center for the transfer of medical insurance relationship.

(3) the insurance certificate provided by the agency and my medical insurance payment certificate, and fill in the application form for the transfer of medical insurance relationship.

(4) Finally, handle the medical insurance relationship and personal account transfer procedures at the municipal social security fund settlement center;

Note: Only urban workers' basic medical insurance, urban residents' basic medical insurance and the new rural cooperative medical system can be freely converted. After the transfer of medical insurance is completed, you can enjoy medical insurance benefits the next month.

2. Do not apply for medical insurance transfer.

Before leaving the original medical insurance place, you need to go to the local social security center and go to the counter to handle the temporary payment of medical insurance. The money in the medical insurance card is still valid, but it can't be used elsewhere. You can reapply for social security in a new city. If you finally return to the location of medical insurance, you can apply for relocation and merge social security, which will not affect the payment period of medical care.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 28 of the Social Insurance Law of People's Republic of China (PRC) conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue medical expenses, and shall be paid from the basic medical insurance fund in accordance with state regulations. Article 88 of the Social Insurance Law of People's Republic of China (PRC) defrauds social insurance benefits by fraud, forgery of certification materials or other means, and the social insurance administrative department shall order it to return the defrauded social insurance benefits and impose a fine of more than two times and less than five times the amount defrauded.