What should I do if I lose my social security passbook?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Bank of Beijing can withdraw money if it loses its medical insurance passbook, and before implementing closed management.

Take my ID card and social security card to the bank outlet to re-apply for the medical insurance passbook and take out the deposit in the passbook.

Beijing medical insurance personal account will be closed before the end of 20 14, and the money in the account can no longer be withdrawn at will and can only be used for medical treatment.

Beijing basic medical insurance clearly stipulates that the principal and interest of individual medical insurance accounts are owned by individuals and can only be used for basic medical insurance, but they can be carried forward and inherited. But until now, most of the funds in the personal account of medical insurance are freely controlled by the insured citizens, and the use is actually unlimited.

Related instructions

Medical insurance is paid jointly by the unit and the individual. The money paid in the past is divided into two parts, one part goes into the personal account (that is, the money in the medical insurance passbook) and the other part goes into the overall account (this money is usually invisible and can only be used for hospitalization reimbursement). The proportion of people entering personal accounts varies with age.

The money in the medical insurance passbook is "2% of salary+3 yuan" deducted from the salary every month by the unit, and there will be 0.8% medical insurance rebate every month. These two items add up to about 2.8% of the salary. If the minimum social security base in Beijing is 3 134 yuan, it will be 90.75 yuan per month and 1089 yuan per year. If you pay 5,000 yuan for social security, there will be 140 yuan in your passbook every month, which will be 1680 yuan after one year. The base of social security in each unit is different, and the amount returned by medical insurance will increase with age.

Tip: The figures are for reference only.

The money in the medical insurance passbook pays interest according to the current demand, with an annual interest rate of 0.35%, which is far lower than the annualized income of 5%-6% in the market.

The interest rate of the money in the personal medical insurance passbook is too low to be taken out, but whether it can be taken out at any time in the future depends on the policy adjustment.