Can I withdraw money from the social security card of Bank of Beijing?

Social security includes endowment insurance, medical insurance, industrial injury insurance and unemployment insurance. The balance of Beijing social security card medical insurance account can be taken out for other purposes, but it is limited to the medical insurance paid by itself, and other parts of social security cannot be taken out.

1. Can I withdraw money from my social security card?

The money in the social security card medical insurance account in Beijing, Tianjin and other regions can be taken out, and the money taken out is generally the part paid by oneself, which can be taken out for independent consumption.

Moreover, some cities can't take it out and can only be used for medical expenses.

At the same time, you can withdraw the money from the social security card if you meet any of the following conditions.

1, unpaid social security 15 years.

If the insurance payment is less than 15 years, but reaches retirement age, you can apply to terminate the old-age insurance relationship, and the money in the old-age insurance personal account will be paid to me in one lump sum.

2. Go abroad to settle down

Those who choose to go abroad or settle abroad may apply to terminate the relationship between basic old-age insurance and basic medical insurance after leaving the country. The money in personal pension and medical account can be paid to me in one lump sum.

3. Accidental death

If the insured person dies unfortunately during the insured period, the social security agency will pay the balance in the personal account of pension and medical insurance to the heir in one lump sum.

Second, how to take out the money in the social security card?

There are four different kinds of money in the social security card, which are taken out in different ways.

1, the financial account balance and pension can be directly withdrawn or transferred from the bank ATM.

At present, social security cards are basically financial cards, which have the general properties of debit cards and can save and withdraw money. Moreover, pensions distributed in various places are basically paid directly to financial accounts in social security cards, so you can directly treat it as an ordinary bank card, as long as the money you can find at ATM can be taken out, or you can directly open online banking for transfer.

2. Individual pension balance cannot be withdrawn.

Although some of the pensions that people usually pay will go into personal accounts, this money does not mean that they can be taken out casually if they want to, but will enter the social security system, and they will not be able to receive it normally until they reach retirement age, unless there are some unexpected circumstances, such as death, so that they can go to the social security bureau to go through relevant procedures and take out the personal pension balance.

3. How to withdraw the balance of personal medical insurance?

At present, there are different regulations on how to take out the balance of personal medical insurance in different places, but in general, the balance of personal medical insurance cannot be taken out directly through bank channels, and there are only several ways to take out the money.

(1) directly through reimbursement.

The balance in the social security card can't be taken out directly, but it can be used to buy medicine or be reimbursed when in hospital, which is actually equivalent to spending the money inside.

However, in reality, some people may cooperate with some designated medical insurance institutions to cash in the balance of social security cards by means of false drug purchase, but this practice is illegal and will face serious consequences once it is discovered.

(2) Direct withdrawal by handling the medical insurance passbook.

At present, some provinces in China, such as Beijing, can withdraw the personal balance in the medical insurance card. Residents only need to apply for a separate medical insurance passbook to withdraw money. But at present, it seems that only Beijing and Tianjin have this kind of operation, and other provinces have no such operation.

(3) directly use the medical insurance balance to purchase commercial insurance.

For the personal balance in the medical insurance card, some people do not use it for a long time, and it is also a waste of resources to stay on it. So now many places are trying to reform, allowing residents to use the balance in personal medical insurance to buy commercial insurance, such as Chongqing and Nanjing.

To sum up, the types of insurance in social security cards are different, and the ways of taking them out are different, and the regulations on social security in different regions are also different. The medical insurance part of Beijing Social Security can be paid by individuals.