Can social security cards be used for shopping?

Social security card can buy medicine.

When purchasing drugs in designated retail pharmacies, the insured person who participates in the personal account of medical insurance can use the funds in the personal account to purchase drugs; In addition, if there are funds deposited in the financial account of the social security card, you can use the payment function equivalent to the ordinary bank card to purchase drugs.

To use the social security card to pay for medicine, you need to activate the social security card at the designated bank or social security bureau to ensure that there is enough balance in the social security card to pay. The social security card can only be purchased at the designated pharmacy in the insured area, and it can be paid by swiping the card and entering the password at checkout. Social security card, as a medical card, can be used not only to pay for medicine, but also to register in hospital, see a doctor, stay in hospital and settle expenses, but not to withdraw cash or transfer money. There are relevant regulations on the use of drugs purchased by social security cards. Personal account balance can only be used to pay for basic medical expenses, that is, for common diseases and frequently-occurring diseases, except for Class A and Class B drugs recognized by medical insurance in the medical insurance catalogue, they are all at their own expense. Specific drugs are currently not covered by medical insurance.

Medical insurance cards can't be exchanged for cash in pharmacies.

The scope of use of medical insurance cards mainly includes the following three aspects:

1, used to buy medicine: when the insured buys medicine at the designated pharmacy, they can pay with the medical insurance card.

2. Used for reimbursement: If you go to the hospital for medical treatment, whether it is outpatient or inpatient, you can use the medical insurance card for reimbursement if it reaches the medical insurance deductible line and is within the scope of medical insurance reimbursement.

3. Medical expenses: When the participants are sick, they can register with the designated hospital with the medical insurance card and medical insurance manual.

The main process is as follows: holding the medical insurance manual and medical insurance card-registering with the hospital medical insurance office-reviewing the card-paying the hospitalization deposit-hospitalization-the patient agrees to the self-funded project and signs it-cash or medical insurance card.

Some cities can buy health care products on a pilot basis. According to China's medical insurance regulations, the medical insurance personal account funds on the social security card itself have the function of risk hedging, and overdraft in advance actually harms the interests of the medical insurance card holders. Citizens who use social security cards to consume daily necessities are equivalent to losing their life-saving money. Therefore, social security cards can only be used for medical consumption. If it is used to buy daily necessities, it not only violates the national medical insurance regulations, but also belongs to the illegal act of defrauding medical insurance funds to a certain extent, which will lead to the loss of medical insurance funds and damage the interests of the insured.

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.