What can the money in the social security card be used for?

The money in the social security card can generally be used in the following ways:

1. The money in the personal account of medical insurance: it can be used to pay for self-funded medical expenses, purchase medicines at designated medical institutions of medical insurance and purchase long-term care insurance. In addition, some commercial insurance can also use the money in the personal account of medical insurance to pay the premium. In addition, if the insured dies and goes abroad to settle down, etc. You can also apply for withdrawing the money from your personal account;

2. The money in the medical insurance pooling account: it can be used to reimburse the medical expenses in the medical insurance. If the insured is hospitalized due to illness or accident, the resulting hospitalization medical expenses can be reimbursed by the medical insurance pooling account;

3. The money in the old-age insurance account: it is generally used to pay the pension of the insured after retirement, and it can also be used to pay the pension and funeral expenses if the insured dies. In addition, if the insured dies and goes abroad to settle down, etc. He can also apply to withdraw the money from the personal account of endowment insurance;

4. Maternity insurance (combined with medical insurance): it can be used to reimburse maternity-related medical expenses and pay maternity allowance;

5. Work-related injury insurance: it can be used to pay disability compensation, death compensation, work-related injury medical expenses reimbursement, etc.

6. Unemployment insurance: It can be used to pay unemployment insurance.

Social security card has both medical insurance account and financial account. Two accounts use one card, but they cannot transfer money to each other. It is clear that medical insurance personal account funds can only be used for medical consumption according to regulations, and cash cannot be withdrawn, so it cannot be transferred to the social security card financial account, nor can personal account funds be withdrawn through the financial account.

As can be seen from the above, the money in the social security card can be used to see a doctor and buy medicine. In addition, the social security card has the following functions:

The first is information storage, which records personal basic information (name and ID number, etc.). ), human resources and social security related business information of social insurance participants;

Second, electronic certificate, the cardholder's proof of participating in social security, can handle human resources and social security related business with social security card;

The third is information inquiry, that is, the cardholder holds the social security card to inquire about personal rights and interests through the special terminal equipment for human resources and social security, and updates the data in the social security card;

Fourth, financial function, which not only has various financial service functions such as cash deposit and withdrawal, transfer, local and foreign currency transfer and remittance, credit card consumption, telephone bill payment and gas bill payment, but also has investment and financial management functions. Through the financial debit card, you can also receive various social security benefits and pay social security fees, which can be used as an ordinary financial debit card.

Basic information such as the cardholder's name, gender and citizenship number, as well as the cardholder's personal status (employment, unemployment, retirement, etc.) are recorded on the social security card face and card. ) marked in the card, you can record the cardholder's social insurance payment, pension insurance personal account information, medical insurance personal account information, professional qualifications and skills, working experience, work-related injuries and occupational diseases. Social security card is the electronic certificate for workers to work in the field of labor security. Cardholders can use their cards to seek medical treatment and settle medical insurance personal accounts; You can handle endowment insurance affairs with your card; You can apply to the relevant departments for job registration and unemployment registration, unemployment insurance and employment training; You can apply for labor ability appraisal with your card and enjoy work-related injury insurance benefits. In addition, the social security card is the key for workers to open the door to the contact system. With this key, cardholders can query information online and handle related labor and social security affairs online in the future.

2011August 2 1 day, Ministry of Human Resources and Social Security said that they are promoting social security cards and deploying work to expand the application fields of social security cards. To this end, the Ministry of Industry and Information Technology issued the Notice on Loading Financial Functions into Social Security Cards. The social security card loaded with financial functions not only has the functions of information recording, information inquiry and business handling, but also can be used as a bank card with financial functions such as cash deposit, withdrawal, transfer and consumption. In order to promote financial services to people's livelihood and facilitate people to enjoy social security benefits and financial services.

The financial application of social security card with financial function is RMB debit application, and the credit function is not supported at present. The card medium of this card is generally a contact chip card, but there are also social security cards with contact+non-contact dual-interface cards issued by banks. The social security card temporarily transits in the form of a chip and a hidden magnetic stripe composite card. The chip should include human resources, social security applications and financial applications at the same time.

Legal basis:

Article 2 of the Social Insurance Law of People's Republic of China (PRC): The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society according to law in case of old age, illness, industrial injury, unemployment and maternity.

Article 26 of the Social Insurance Law of People's Republic of China (PRC): The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

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.