What should I do with the money in my health insurance card after the death of the elderly?

In response to the call of the country, when the state begins to collect the corresponding fees, basically everyone will pay the fees in time, because this is actually more beneficial for our lives. After all, for the sick thing is not something we can avoid, and for many people who have a serious illness, paying medical insurance will be particularly important, because it can report a lot of money to a certain extent, so after the death of the insured person, how to deal with the money in his account will become a relatively big problem, and many people will be particularly concerned about whether the money can be taken out or how to get it?

1.It is usually transferred to the heir's card or the health insurance card of the designated beneficiary. <>

Of course, our country has actually done a better job in all aspects, because only after these things have been divided to a certain extent, can the interests of the people be guaranteed. Then after the death of the insured, some of the money in his medical insurance card will generally be directly transferred to the medical insurance card of the legal heir, or he has a designated beneficiary during his lifetime, then the money in this medical insurance card will be transferred to the card of the designated beneficiary, so there is no need to worry about what the state will do with this money, and no one will embezzle this money, and eventually this money will be returned to the hands of the person's family.

2.Of course, the money can also be withdrawn. <>

In fact, most of us don't particularly understand the payment of the medical insurance card, we just know that we took the money and handed it over to some cadres in the village, so for this medical insurance card it is actually divided into two accounts for management, it has a personal account and a co-ordinated account, if we want to take out the money from this medical insurance card, it is generally divided from the personal account, and the money in it is generally not too much, generally ranging from several thousand yuan. Of course, if you want to take out the money, or if you want to go through the relevant procedures, then you naturally have to go to the relevant departments for a certain amount of processing, of course, the most important thing is to bring all the documents, otherwise it will be particularly troublesome. <>

In order to respond to the call of the state, we should do what the state requires us to do at any time and the corresponding policies introduced by the state, and more often it is also premised on the interests of our people, so don't complain about why the state has introduced such policies, more often it is just considering the interests of most of us.

After the death of the insured, the balance in the personal account will be returned in full to the legal heirs or designated beneficiaries of the insured.

1. It can be taken out to the designated beneficiary.

After the death of the insured, the balance in the personal account will be returned in full to the legal heirs or designated beneficiaries of the insured. In accordance with the relevant regulations, after the death of the insured person of an enterprise or institution, the relatives of the insured person shall issue the death certificate and cremation certificate of the insured person, and the insured unit shall fill in the application form for termination of social insurance relationship and go through the procedures for termination of the social insurance personal account in the service hall of the Municipal Human Resources and Social Security Bureau. After review and approval, all the balance in the account before the month of death of the insured person will be returned to the account of the insured unit.

The balance returned is counted as the inheritance, and then issued by the insured unit to the legal heirs or designated beneficiaries of the insured.

2. Designation of successors.

If the insured person is a flexible employee without a work unit, after his death, his file custodian such as the Municipal Public Employment Service Center and other ** institutions will go through the procedures for the termination of the social insurance personal account for the insured. After the death of the insured, the balance in the personal account will be returned to the account of the ** institution, and then issued by the ** institution to the legal heirs or designated beneficiaries of the insured.

Extended information: Medical insurance: The basic medical insurance system for urban workers is a social insurance system established to ensure the basic medical needs of employees according to the affordability of finance, enterprises and individuals.

1. Medical insurance.

All employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises, etc.), government agencies, public institutions, social organizations, private non-enterprise units and their employees, must participate in basic medical insurance. The basic medical insurance premium is composed of the personal accounts of the employer and the employee. The basic medical insurance premium shall be paid jointly by the employer and the individual employee, including:

Units pay at a rate of 8%, and individuals pay 2%. Part of the medical insurance premium paid by the employer is used to establish the social pooling of basic medical insurance**, and this part** is mainly used to pay for the hospitalization and outpatient treatment of special chronic diseases, rescue and first aid of insured employees.

2: Medical insurance.

For the medical expenses incurred above the minimum payment standard of basic medical insurance and below the maximum payment limit, the individual shall also bear a certain proportion of the expenses according to the regulations. The funds in the personal account are mainly used to pay for the expenses of the insured persons in the designated medical institutions and designated retail pharmacies for medical treatment and drug purchase, and the funds in the personal account are used up or insufficient, and the insured persons pay in cash, and the personal account can be carried forward and inherited in accordance with the law. Insured employees who are hospitalized due to illness will first pay the minimum amount for hospitalization, and then enter the co-payment section of co-ordination ** and individual employees.

Units and individuals participating in basic medical insurance must participate in large-amount medical insurance at the same time, and pay basic medical insurance premiums and large-amount medical insurance premiums on time and in full according to the regulations, in order to enjoy the relevant benefits of medical insurance.

After the death of the elderly, the money in the medical insurance card will be directly handed over to the state and then cancelled, because the medical insurance is originally the state.

The heirs need to bring the relevant documents, and then go to the relevant departments for consultation, so that the money can be withdrawn, and the heirs will generally inherit it.

It should be inherited directly by the children of the elderly, or by the partner of the elderly, which is also part of the inheritance.

In addition, the insured person may be a flexible employee without a place of employment, in which case, if the insured person has passed away, then the insured's file custodian will automatically go through the procedures for the termination of the personal account for the insured. After completing this procedure, the balance in the account will be returned directly to the account of the ** institution, and then the money will be released to the legal heirs by the ** institution.

1. To the legal heirs or designated beneficiaries.

Although the money in the medical insurance card may not be much, but it must also be in accordance with the formal legal procedures, after the death of the insured, the balance in his account will be returned directly to the legal heirs in the name of the insured, if the insured has a designated beneficiary during his lifetime, then the money will be given to the designated beneficiary.

2. Go to the relevant departments to go through the formalities.

In fact, the procedures are very simple, but you must pay attention to bring all the information, otherwise you may need to make a few more trips. The documents required for the procedures are ID card, household register, death certificate and cremation certificate of the insured, and the relevant application form and bank account number need to be filled in when you go to the place. As long as all of this can be done, the money will be in the account very quickly.

3. You can only receive the balance in your personal account.

Many people may not know much about the balance in social security after the death of the insured, for example, the social security we usually pay is divided into two accounts to manage. One is a personal account, and the other is the heir of the overall account, if you want to receive the balance in the insured's account, you can only deduct it from the personal account. In fact, the money in the personal account is generally not a lot, most people are thousands of yuan, if the time period and the grade of payment are relatively high, then the balance in the medical insurance card will naturally be more, in fact, most of the money is managed in the overall account.

Generally, it will be directly divided into the account of the heirs, and then the balance will be paid directly to the heirs, if there is no heir, then it will be directly divided into the overall **.

The money in the health insurance card can be claimed by the legal heirs with all the documents at the local health insurance bureau.

You should take the death certificate of the old man and go to the relevant place to handle it accordingly, so that the old man's money can be withdrawn.

According to the provisions of the "Social Insurance Law of the People's Republic of China", all insured persons who have participated in the basic endowment insurance and fulfilled the obligation to pay the premiums, after the death of illness or non-work-related reasons, not only the balance in the personal pension account of the deceased can be fully returned, but also the surviving family members can receive funeral subsidies and pensions according to the regulations.

Liquidation of medical personal accounts.

When the family's affairs are done and the medical expenses are reimbursed, you can clear the medical personal account. The place of application is at the social security bureau or the outlets of each district and city. The remaining money in the social security card can also be disposed of by the family members.

Since there is no national unified standard for this area, it is formulated by various localities according to the local economic development, so there are differences between regions.

In the event of the death of an employee or retiree, the portion of the individual contributions in the personal account may be inherited.

The Notice on Printing and Distributing the Interim Measures for the Management of Personal Accounts of Basic Pension Insurance for Employees (Lao Ban Fa [1997] No. 116) issued by the Ministry of Labor stipulates that when a retiree dies, the balance of the personal contribution part of his or her personal account shall be paid to the beneficiary or legal heir designated by the deceased in a lump sum. The basic pension of retired employees can be inherited, which refers to the balance of the personal contribution part of the pension in the personal account of the deceased retiree, rather than the entire basic pension of retired employees.

Funeral grants and pensions.

Article 17 of the Social Insurance Law stipulates that if an individual participating in the basic old-age insurance dies due to illness or non-work-related reasons, his surviving family members may receive funeral subsidies and pensions.

1. Funeral subsidy.

A funeral subsidy of 2,000 yuan will be paid for the death of an employee, and unauthorized burial in areas where cremation should be carried out will not be issued (except for ethnic minorities and those allowed by the state).

2. Survivor's pension.

It is the financial compensation and spiritual comfort given to the family of the employee after his death. The provisions of the survivor's pension vary from place to place, and some do not stipulate the pension, but only stipulate that the survivor's relief fee will be paid on a monthly basis; Some provide for a lump sum pension and a monthly subsistence allowance for survivors.

If an unemployed person dies while receiving unemployment insurance money, a one-time funeral subsidy and pension shall be paid to his surviving family members with reference to the local regulations on the death of an in-service worker. The required funds are paid out of unemployment insurance**. If an individual dies and meets the conditions for receiving the basic pension insurance funeral subsidy, work-related injury insurance funeral subsidy and unemployment insurance funeral subsidy at the same time, the surviving family can only choose to receive one of them.

When an elderly person dies, the amount stored in his personal account is transferred to the personal account of his heirs; If the heir does not participate in the basic medical insurance, the personal account deposit amount can be paid to the heir in a lump sum; If there is no heir, the amount stored in the personal account will be included in the overall planning of basic medical insurance**.

Answer: If the cardholder dies, the balance of the cardholder's medical insurance card can be handled in the following ways, namely: 1. The balance of the cardholder's medical insurance card will be transferred to the medical insurance card account of his heir; 2. If the heir does not have a medical insurance account, the balance will be paid directly to the heir; 3. If the cardholder has no heirs, the balance will be included in the basic medical insurance pool**. Therefore, there is no need to worry about the balance of the health insurance card not being properly disposed of after the cardholder's death.

After the death of the elderly, if there is still money left in the medical insurance card, it can be consumed, or the death certificate of the elderly can be used to apply for social security withdrawal.

The money in the medical insurance card must be that you can take you to the country, and you can't get out! Or you can just turn it out and use it yourself.

You can consume and buy medicine normally within a certain period of time, or you can go to the medical insurance center to withdraw all the balance in the card, if the balance is more, or withdraw it! The province is not used up, and the medical insurance card is locked. You cannot withdraw your balance and cannot continue to use it.

You can go to the medical insurance center with the card and your identification certificate to confirm your relationship, and transfer it to your medical insurance card for use.

ID card, household registration booklet, death certificate and other supporting materials are required, and the deposit bank needs to be consulted for details.

What to do with the card money? It should be possible to get it back, and it should be according to certain steps and procedures.

Does the old man have a wife? If not, the children have the right to inherit.

It should still work. Continue to buy medicine.

Basically, everyone will pay basic medical insurance, and then they will be able to enjoy medical insurance benefits, and they will be able to get medical reimbursement from the state when they are sick. So if the old man dies and he still has money in his health insurance card, what will happen to the rest of the money?

I am also very curious about this issue, but I think that the money will definitely be returned to the insured, and the money will not be confiscated because of the death of the insured. Then I also checked some information, and found that the guess was correct, if the insured died, then the remaining money in the medical insurance card will be returned to the insured person, and the legal heirs designated by the insured person will receive it. Therefore, if the elderly person in the family dies and there is still money in his medical insurance card, the children of the elderly can go to the local medical insurance bureau to apply for the personal account of the elderly with some documents and withdraw the money.

How to remove the money left in your health insurance card.

SummarySo if you still have money in your medical insurance card after the death of the elderly in your family, you can go to the local medical insurance bureau to apply for it according to the said practice, and then the money will be transferred to the applicant's bank card account by the medical insurance bureau. Therefore, our country is also very good, the system in all aspects is very sound, and there is a solution to everything.