The difference between the second and third generation medical insurance cards

The differences between the second and third generation medical insurance cards are as follows:

1, their release time is different. The third-generation social security card has been issued in a standardized way since 20021,and the second-generation social security card has been issued on a pilot basis since 2005. This shows that the third generation social security card is an upgrade on the basis of the second generation.

2. Their business card printing materials and technologies are also different. The third generation social security card is based on bank financial IC card, loaded with social security and other applications, with dual interfaces, large-capacity card chips, digital certificates, contactless and other applications, which has better expansibility and compatibility. The second generation social security card only contains chips, with small capacity and relatively few functions. In addition, the third-generation social security card has also added "all-in-one card" and "flash payment" signs, realizing the non-contact function of "passing by" and greatly improving the convenience of use.

3. Their safety performance has also been improved. The third generation social security card upgrades the domestic encryption algorithm, which is safer and more durable than the second generation social security card. At the same time, the third generation social security card adopts the corresponding technology of online card ID card, and all of them are loaded with personal CA certificates, which further highlights the uniqueness of social security cards and reduces the risk of being stolen.

4. From the functional point of view, the third generation social security card has been expanded on the basis of the second generation. The third-generation social security card not only has the functions of identification, inquiring about insurance participation, receiving social security and financial subsidies, purchasing medicines for medical treatment, reimbursement for hospitalization, financial payment, etc., but also has the functions of contactless card reading and small-sum quick payment, which is more comprehensive.

Attention should be paid to the use of medical insurance cards:

1. Cash withdrawal is prohibited.

No unit or individual may violate the scope and requirements of the medical insurance card, and it is strictly forbidden to take cash.

2. Some provincial and municipal medical insurance cards can be used by the whole family.

In some provinces and cities, such as Zhejiang Province and Guangzhou City, the surplus funds of individual medical insurance accounts over the years can be used to pay the medical insurance expenses of employees' spouses, children, parents and other close relatives who participate in basic medical insurance, so as to realize mutual assistance among family members.

3. The following medical insurance will not be paid.

Seeing a doctor in a non-designated medical institution or buying medicine in a non-designated retail pharmacy (except emergency): self-injury caused by personal fighting, drug abuse or other illegal acts; Treatment for alcoholism, suicide and self-mutilation; Injuries caused by traffic accidents, medical accidents or other liability accidents; And the situation that the state or local regulations should be paid by individuals.

To sum up, there are obvious differences between the second-generation medical insurance card and the third-generation medical insurance card in terms of release time, business card printing materials and technology, security performance and functions.

Legal basis:

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

Article 12

The basic medical insurance premium is levied on a monthly basis, and the employer and employees shall pay the basic medical insurance premium to the tax collection authority within the prescribed time limit. The part that individual employees should pay shall be withheld and remitted by the employer from their wages.