Why is there money in your social security card but you can't use it?

If you are a citizen of Shenzhen, even if you have 4,959 yuan lying on your social security card, you will still be told that your balance is insufficient when you go to the pharmacy to buy a few tens of dollars of medicine. The reason is that according to the Shenzhen social security regulations, 4959 yuan is the bottom line of the balance of the social security card, meaning that only the social security card more than the balance of the money, can be used to buy drugs in the pharmacy. In addition to the "balance" limit, can use the social security card to buy drugs, not only a few varieties, but also encountered a "limit".

The social security card is not a bank card, and as such, there is no reason why the money in your account should be treated as cash that you can spend as you wish.

On the contrary, social security as a social security system, the social security card is frankly a payment mechanism of this system, then, of course, the use of social security card should have conditions and restrictions, but also should comply with the rules of social security payments. Specifically, the fact that there is money in the social security card does not mean that it can be used casually to buy drugs.

The reality is that buying drugs through the social security card, and then reselling the drugs to the person who receives them, thus realizing the cash of the social security card, has become an underground industry. This is of course a loophole for the social security system, and once the social security cardholders are going to drill this hole, not only against the original intention of the social security system, and even very likely because it does not conform to the social security system of the predetermined payment model, and lead to the overdraft of the social security ability to pay and unsustainable.

In this sense, the payment of social security card, of course, need certain rules, and can not be arbitrary as a bank card to use. Specifically, what drugs can be bought with a Social Security card? How much can you buy at a time? What is the price and percentage of payment for medication with a social security card? All of these need to be clearly defined. In this sense, the social security card alone without a prescription can not buy prescription drugs, as well as a one-time purchase of drugs, these provisions and restrictions, indeed, is not entirely unreasonable, and even not necessary. As for the balance limit, but also only for the purchase of drugs without a prescription, with a prescription to buy drugs is not subject to the balance of constraints.

And the original purpose of this rule is also said to be to protect the outpatient treatment needs of the insured. If there is no minimum limit, outpatient treatment will inevitably be affected when the personal account is used for other non-outpatient expenses and the card has no balance when you arrive at the outpatient clinic. In this way, the social security card to buy drugs set limit, seems to be out of good intentions.

Only, good intentions sometimes may not do all the good things. The rules of payment of the social security card, of course, can be understood. But, obviously, the social security card money, but can not be used to buy drugs, even over-the-counter medicines are also limited in the list, and so the provisions, but also become for the sake of the public, obviously difficult to accept. Especially when the social security payment rules itself, even let the object of social security card protection have to endure "money can not buy drugs" inconvenience and embarrassment, I am afraid that the same against its original intention. This rule is being challenged as a hegemonic clause, and it is not unfair.

Based on the above point of view, the social security card of course need to have the rules of use, the relevant rules do need to continue to improve, to make up for the loopholes. But this in no way means that the improvement of the rules governing the management of social security cards can be choked off at the expense of the rights of the cardholder. The most basic function of social security card is to buy medicine with the money on the card, which is obviously based on one's own reasonable needs. In any case, the card cannot be restricted or even banned in the name of improving the rules