Can the money in the medical insurance card be taken out for use?

Hello, I can't get the money out of my medical insurance card. You can only seek medical treatment and purchase medicines in designated hospitals and pharmacies. However, in the following three cases, the money in the medical insurance card can be withdrawn for use: 1 Termination of the use of medical insurance card: if the insured person dies, relatives can go through the formalities of surrender with the death certificate. 2. Transfer of the insured: handle 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.

I. Medical insurance card

Social medical insurance card, referred to as medical insurance card or medical insurance card, is a special card for personal account of medical insurance. With the personal identity card as the identification code, the detailed information such as personal identity card number, name, gender, account capital expenditure and consumption are stored and recorded. The medical insurance card is undertaken by the local designated agent bank, which is a multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.

Second, can the money in the medical insurance card 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 But in the following three cases, the money in the medical insurance card can be withdrawn and used: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. Termination of the use of the medical insurance card: if the insured person dies, the relatives can go through the surrender formalities with the death certificate;

2. Transfer of the insured: handle 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.

The money in the medical insurance card cannot be withdrawn. It can only be put in as your medical expenses. However, there is a fixed amount of drugs used and the scope of drugs reimbursed every year. You can consult the Social Security Bureau for details.

The basic medical insurance premium paid by the employer shall be included in the personal account according to the following standards:

1, employees under the age of 45 are counted as 0.8% of the monthly per capita contribution salary of the employer;

2. Employees who have reached the age of 45 shall be counted according to 65438+ 0.2% of the monthly per capita contribution salary of the employer;

Retirees under the age of 3.70 are included at 3.8% of the monthly per capita salary of employees in this city;

4. Retirees who have reached the age of 70 shall be counted as 4.4% of the monthly per capita wage of employees in this Municipality.

Third, how to use it?

1. Scope of use of medical insurance card: When insured employees buy medicines in designated hospitals and pharmacies, they can swipe their cards on POS machines with their passwords, but they cannot withdraw cash or transfer money.

2. Inquire about the balance of medical insurance card: Insured employees can inquire about the balance by telephone, or at the Bank Savings Office of China or the designated hospitals and pharmacies in the urban area. You can also log in to the social security inquiry system online.

3. Inquiry of medical insurance card transaction: Insured employees can print medical insurance card transaction records, including personal account payment records and consumption records, at China Bank Savings Office with their ID cards and medical insurance requirements. If you have any questions about the transaction records, you can go to the retail business department of Bank of China.

4. Medical insurance card password: The insured employees can change their passwords by phone or bring their ID cards to the Bank of China Savings Office. If the insured employee forgets his password, he can report the loss of the original password with his ID card to China Bank Savings Office and change it.

5. Custody of medical insurance card: Insured employees should keep the medical insurance card properly. If they accidentally lose it, please immediately issue a letter of proof to the unit and stamp it in the medical insurance office for confirmation. Then, they will take their ID cards to China Bank Savings Office to report the loss and go through the formalities. After 7 days, they can get a new card.

6. Precautions: When the number of medical insurance card transactions reaches 60, the insured employees must go to China Bank Savings Office to print the transaction records, otherwise they will stop using the card. After the transaction record is printed, the card can continue to be used. In the pharmacy 100% will bear it by itself, and hospitalization can only enjoy the reimbursement ratio (which must be within the scope of medical insurance). If the hospitalization is within the scope of medical insurance, the scope of reimbursement is between 55% and 65% according to the actual amount of expenses incurred, such as 10000 yuan.

legal ground

Article 28 of People's Republic of China (PRC) Social Insurance Law

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.