Can the medical insurance money be taken out?

The money in the medical insurance card can't be taken out, so you can only go to the designated hospitals and pharmacies for medical treatment and medicine purchase.

But in the following three cases, the money in the medical insurance card can be withdrawn and used:

1, the use of medical insurance card is terminated. If the insured dies, the relatives can go through the surrender formalities with the death certificate;

2. After the insured emigrates, he shall go through the surrender formalities with the certificate issued by the public security department;

3. Transfer in different places. After local insurance, the balance of medical insurance account can be transferred to a new account.

Using medical insurance in designated hospitals:

65438+

2. There is a deductible for hospitalization reimbursement, that is to say, you need to pay the deductible yourself, and the part beyond the deductible can be reimbursed according to local medical insurance regulations. The reimbursement rate varies from place to place, and different projects in different hospitals are different, about 80%. You can go to the local labor and social security online for details.

If it is the same bank before and after the card change, I will report the loss to the employee medical insurance card service bank with my valid certificate, and the street labor security service center will accept the application for social security card with the bank report of loss and my valid certificate for 45 working days. If you are not in the same bank before and after the card change, the process of collecting social security cards is the same. However, the amount in the original medical insurance card will not be automatically transferred to the social security card, and a valid certificate is required to issue the Notice of Clearing the Employee's Medical Insurance Card at the social security sub-center of the insured place.

Personal account of medical insurance is a special account established according to the basic medical insurance policy, which is specially used to store the medical insurance premiums paid by the insured and the funds allocated by the employer according to a certain proportion, and record the medical consumption. The funds in the personal account are used to pay for the out-of-pocket part of medical treatment and medicine purchase.

legal ground

Article 22 of the Regulations of People's Republic of China (PRC) Municipality on Employees' Medical Insurance (hereinafter referred to as the Regulations) shall not withdraw cash from individual accounts, overdraw, overspend or make up for it, and the balance shall be accumulated and used. When employees and retirees die, the balance of funds in their personal accounts can be inherited.