From September 1, the money in the medical insurance passbook is not allowed to be withdrawn.

The policy stipulates that the insured can withdraw the money that has been deposited in the personal account before September 1 2022. After September 1, the money will no longer be transferred to the medical insurance passbook, which is used exclusively for bookkeeping management and cannot be freely withdrawn. However, the medical insurance passbook can be used as the entrusted bank account bound by the insured, and it still needs to be properly kept. First, 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.

Two, the use of medical insurance passbook

1. Employees who participate in Beijing's basic medical insurance will generally issue a medical insurance passbook (Bank of Beijing) three months after joining the company. The medical insurance passbook is actually a "personal account of basic medical insurance fund". The money in the passbook is intended to treat individuals sporadically.

2. If you work in Beijing and pay basic medical insurance, the passbook will only be issued once. In other words, the medical insurance passbook will not change because individuals change their work units in Beijing. After personal job-hopping and renewal of basic medical insurance, the amount will continue to be injected into the original passbook, so please keep it properly.

3. Withdrawal: the personal medical insurance passbook is deposited into the personal account funds transferred by the social insurance agency on a monthly basis, and individuals can also withdraw at any time at present; The initial password of the passbook is 6 zeros. When an individual uses a passbook for the first time, he must change his password. When changing the password, you must show your valid identity certificate, and you also need the valid identity certificate of the agent to change the password.

4. If there is an error in the account name of the personal medical insurance passbook, the insured person must obtain the consent of the social security center to modify the account name, and can only handle it with his valid identity certificate and the certificate issued by the social security center;

5. Loss reporting: same as ordinary bank passbook.

A) Oral loss reporting: customers should call the customer service hotline of Bank of Beijing at 96 169 for handling;

B) Report the loss in writing (or password): Go to the counter of Bank of Beijing with valid ID and medical insurance manual, and charge a handling fee of one yuan for each transaction. There is no 7-day loss reporting period for personal medical insurance account, which can be completed on the same day.

6. Composition of passbook amount

1) The basic medical insurance premium (base ×2%) paid by the individual is credited to the individual account in full;

2) The basic medical insurance paid by the company (base ×9%) will be transferred to personal account in proportion (0.4%-4%). N Personal account of on-the-job employees = base ×2%+ base × (0.8% ~ 4.8%). The personal account of retirees over 70 years old is 1 10 yuan per person per month.

legal ground

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

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.