What are the consequences of cashing out social security cards?

First, the social security card will be fined, ordered to return the social insurance money defrauded, and fined for more than two times and less than five times the amount defrauded. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it.

Those who defraud the social security fund shall only be ordered to return the defrauded social insurance money, and a fine of not less than two times but not more than five times the amount defrauded shall be imposed. There are several major problems in cash supervision: first, the legislation is unclear, and the social insurance law does not clearly stipulate the use of funds, resulting in insufficient law enforcement basis; Second, the law enforcement power is insufficient; Third, the cash-out method is refurbished, and it is necessary to check the receipt and delivery list when investigating, which is a heavy workload.

At present, there are only two situations in which medical insurance cards can be cashed out.

The first is the sudden death of the insured, and his successor can withdraw the full present value of the money in his medical insurance card. Heirs who participate in medical insurance can transfer to their medical insurance cards by remittance.

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 by remittance. It is illegal to withdraw cash from the medical insurance card by other means. Don't make fun of your medical insurance, or you will be frozen if you are found out, and you can't protect your life, health and safety through medical insurance. Cash out of medical insurance refers to the inexhaustible money on the medical insurance card. Someone can help cash out. In the early stage, criminals pulled "customers" by distributing leaflets, and then went to the designated medical insurance hospital to get prescription documents from outpatient doctors through normal registration procedures. After getting the drugs, they quickly distributed them and converted the money in the medical insurance account in the social security card into drug sales, thus completing the cash-out procedure.

According to China's current policy, the basic medical insurance for urban workers consists of social pooling and individual accounts. The money in a personal account is the accumulation of real accounts, including all individual contributions and a certain proportion of unit contributions. The funds in the personal account can be used for outpatient treatment and medicine, and can also be inherited when the insured person dies suddenly. However, it is illegal to withdraw funds from personal accounts in other ways. According to an illegal informant, a group of criminals have been engaged in "medical insurance cashing" activities for a long time, and their figures frequently appear in many public 3A hospitals in Shenzhen, and regular hospital doctors "escort" them. "There are regular doctors colluding with them, prescribing fake prescriptions, then brushing social security (medical insurance) Kolor prescription drugs, and finally selling these prescription drugs to other places." According to the informant, he knew the ropes in his communication with criminals. According to its introduction, most people who generally participate in medical insurance cashing are social idlers. They give regular doctors considerable returns, prompting doctors to write fake prescriptions, let them get prescription drugs in hospital pharmacies, and then sell them through the underground market. "Everyone who does business has a familiar doctor, and basically hangs a number to write a prescription for the doctor to brush his face." Its introduction: "Generally, people who want to cash out are those who are ready to leave Shenzhen or are in a hurry to use money, so the lower the price, the greater the difference. Sometimes, someone can earn 10 thousand yuan by cashing in. " In Nanchang, Jiangxi Province, near a number of designated medical insurance pharmacies, small advertisements of "high-priced drugs, medical insurance cash" can also be seen everywhere. The cashier said that as long as you get the medical insurance card, you can get the medicine at the designated pharmacy, and the handling fee is 30%. I usually brush my medical insurance card to buy drugs for chronic diseases, such as hepatitis B. These drugs are large and the sales volume is guaranteed.

Second, what is the impact of social security card cashing?

Cashing out social security cards has the following effects: first, cashing out is illegal, and second, cashing out is a loss to individuals. Paying social security for individuals can be said to have only advantages and no disadvantages. People who give up social security and choose wages only see a little immediate benefit, but actually lose more protection.

legal ground

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

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 64 Social insurance funds include basic old-age insurance funds, basic medical insurance funds, industrial injury insurance funds, unemployment insurance funds and maternity insurance funds. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.