Can I withdraw money from my health insurance card?

Generally, it cannot be taken out.

At present, only in a few regions (such as Beijing) can the funds in the medical insurance personal account be freely withdrawn and used. In most areas, the funds in the personal account of medical insurance cannot be withdrawn, and can only be used for medical treatment and drug purchase in designated hospitals and pharmacies. When we go to the pharmacy or hospital, we can use the balance of the personal account on the medical insurance card instead of paying cash.

In general, money in a personal health insurance account can only be withdrawn under the following two circumstances:

1. In the event of the sudden death of the insured, his heirs can withdraw all the principal and interest in his medical insurance personal account. If the heir participates in the medical insurance, it can be transferred to the medical insurance card of the heir in the form of transfer.

2. If the insured person leaves the country, he or she must withdraw money from the personal account of the medical insurance with the exit certificate and other materials.

Other forms of health insurance card withdrawals and withdrawals are illegal.

It should be noted that the insurance card has medical insurance functions and financial functions. If it is money in a financial account, it can be withdrawn, because the financial account of the social security card is similar to a bank card, which can be withdrawn, transferred, etc., and the money can be withdrawn. For example, pension and unemployment insurance benefits are issued to the financial account of the social security card, and the insured person can withdraw money from the financial account at the designated bank.

Purpose of medical insurance card:

1.Medical check-ups and vaccinations.

In some provinces and cities, the balance of the medical insurance personal account can pay for physical examination or vaccination for themselves and their children, such as Shenzhen.

2.See a doctor and be hospitalized in a designated hospital.

Medical expenses that are not covered by medical insurance reimbursement and need to be borne by individuals can be paid through the medical insurance personal account. Of course, this does not include the cost of cosmetic, bodybuilding, non-functional cosmetic surgery, orthopedic surgery, and various non-diseases** such as weight gain, height gain, etc.

3.Buy commercial health insurance.

According to incomplete statistics, more than 10 provinces and cities (Jiangsu, Guangdong, Liaoning, Fujian, Hunan, Shanghai, Zhejiang, Chongqing, Guizhou, Yunnan, etc.) have issued relevant policies. When certain conditions are met, you can use the balance of your personal medical insurance account to purchase commercial health insurance.

4.at designated pharmacies.

When purchasing drugs (quasi-branded drugs, traditional Chinese medicine preparations), medical devices (food and drug administration machinery), and disinfection supplies (health and elimination products), you can use your medical insurance personal account to pay.

The money from the medical insurance card cannot be withdrawn, but it can be used to pick up medicine and see a doctor at designated pharmacies. When the number of medical insurance card transactions reaches 60, the insured employee must go to the Bank of China Savings Bank to print the transaction records, otherwise, the use of the card will be stopped. Once the transaction history is printed, the card can continue to be used.

In the pharmacy 100% of their own responsibility, hospitalization can enjoy the reimbursement ratio (it must also be covered by medical insurance). If the hospitalization is within the scope of medical insurance, according to the actual amount of expenses, such as: spending 10,000 yuan for reimbursement is between 55% and 65%.

1.Money from personal accounts can be withdrawn. The medical insurance is divided into two accounts, the personal account, and the money in the medical insurance card can be used to buy drugs at designated pharmacies, or it can be used to withdraw cash, pay for outpatient expenses and pay for the out-of-pocket part of hospitalization expenses; The pooled account is managed by the medical insurance center, and the expenses incurred by the insured persons in line with the local medical insurance reimbursement are paid by the pooled account.

2.When seeking medical treatment, show the medical insurance card to the designated hospital to prove the identity of the insured and **, the part of the medical insurance reimbursement is settled by the medical insurance and the hospital, the individual does not need to pay first and then reimbursement, at the time of checkout, the part of the individual self-payment is paid by himself with the balance of the medical insurance card, and the insufficient can be paid in cash.

3.When reimbursing hospitalization, there is a starting line (the starting standard is generally 10% of the average annual salary of employees in the city in the previous year, generally 1000 to 2000), that is to say, the money of the starting line needs to be paid by yourself, and the part that exceeds the minimum payment line can be reimbursed according to the provisions of local medical insurance, and the reimbursement ratio is different from place to place, and different hospitals and different projects are also different.

4.There are relevant standards for the scope of medical insurance reimbursement and the proportion of payment, such as drugs, ** divided into class A, class B, self-pay, etc., and the "reimbursement ratio" is different; The "threshold fee" for hospitalization is different depending on the level of hospital; The "threshold fee" for the first hospitalization in the year and the subsequent hospitalization is different; The "reimbursement ratio" is different between in-service and retirement; The "reimbursement ratio" for civil servants and non-civil servants is also different.

With the improvement of China's medical security system, the medical insurance card is bound to involve more and more people, and the policyholder can take the medical insurance card to buy medicine and see a doctor, which is very convenient, and there are corresponding preferential measures. However, at present, in most cities, the medical insurance card cannot be withdrawn, if you have any questions, you can consult the local social security bureau.

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In addition, not all insured persons have money in their cards, only urban employees who meet the requirements of establishing personal accounts for medical insurance participants, and the medical insurance card will have an amount consistent with their own payment standards. Moreover, the personal account is divided into two parts: the current year's quota and the calendar year's balance. If there is a balance in the personal account in the current year, it will be carried forward to the funds of the previous year, which can be used to pay for part of the medical expenses that should be borne by the individual according to the scope of basic medical insurance expenses.

Can I withdraw money from my health insurance card? Dad said that the principal and interest of the personal account belong to the individual, and the balance of the personal account can be transferred according to the regulations, and the insured person can inherit it according to the law after his death.

There are only two situations in which the money in the personal account of the medical insurance can be withdrawn, one is that if the insured does not participate in the medical insurance after his death, the principal and interest in the personal account of the insured (these interests are tax-free) can be withdrawn; Second, if the insured leaves the Guangzhou medical insurance co-ordination area and stops participating in the insurance to other places, he can withdraw the money in his personal account with the certificate of suspension.

In addition to these two cases, it is illegal to use the money in the personal account of medical insurance not to buy drugs for treatment or even withdraw cash in disguise.

Finally, Dad reminded that "life-saving money" cannot be used casually. Personal account is gradually accumulated, when there is a serious illness and need to pay more personal expenses, the funds accumulated in the personal account will play an important role, so it is "life-saving money". If the insured person only uses the medical insurance card casually for the immediate benefit, it is likely to lose a big deal because of a small one.

The money in the medical insurance card can be withdrawn (cashed out) and the conditions met:

1. If the insured dies suddenly, his heirs can withdraw all the principal and interest in his medical insurance card, and if the heirs participate in the medical insurance, they can be transferred to the heir's medical insurance card in the form of transfer.

2. If the insured person needs to leave the insured city, then he must first suspend the medical insurance card, and he can withdraw the money in the account with the certificate of suspension guarantee, but if the person has been insured in other cities, the money in the medical insurance card must be transferred to the new one in the form of transfer.

Other ways of withdrawing medical insurance cards are illegal, don't joke with your own medical insurance, otherwise it will be frozen if it is found, and you will not be able to ensure your life and health through medical insurance.

Personal Medical Account (Personal Health Insurance Card) funds are mainly used for expenses in the following areas:

1. Basic medical expenses for outpatient and emergency services;

2. The part of the basic medical expenses for inpatient and outpatient specific items should be paid by the individual;

3. The cost of holding a prescription from the hospital to the designated retail pharmacy of the medical insurance to dispense the drugs within the scope of the basic medical insurance, or purchasing the non-prescription drugs within the scope of the basic medical insurance.

The money in the medical insurance card cannot be withdrawn, and can only be used for medical treatment or medical insurance pharmacies to purchase medicines, and cannot be used for cash withdrawal or transfer.

The Insurance Law stipulates that if social security is interrupted, the insured person shall cease to enjoy medical insurance benefits from the month following the interruption of payment. If the arrears are made up within 3 months, the medical insurance benefits during the arrears period shall be paid according to the regulations.

If the arrears are made up for more than 3 months, the medical expenses during the arrears period will not be paid, and if the payment is interrupted for more than 3 months and the arrears are not paid, the actual payment period of the original medical insurance will not be calculated.

At the same time, the principal and interest of the medical insurance personal account belong to the individual, which can be carried forward and inherited. In addition, during the period when you are unemployed and receive unemployment benefits, you can participate in medical insurance and enjoy medical insurance benefits. After looking for a new job, the worker can go to the social security bureau to go through the transfer procedures.

If you pay the money yourself, after the retirement procedures are completed after retirement, if you do not pay for 15 years, the balance of the personal account will be withdrawn to you at one time, and if you pay for 15 years, the social security institution will issue a pension and receive a pension on a monthly basis. The medical insurance money goes directly into the medical insurance card, and it can be used directly when you usually look at and buy medicine.

The money in the medical insurance card cannot be withdrawn (except in special circumstances: the insured person dies, emigrates or leaves the insured city), and can only be used to purchase medicine in designated hospitals and pharmacies.

The money in the medical insurance card cannot be withdrawn and can only be used to purchase medicine at designated hospitals and pharmacies. However, the money in the medical insurance card can be withdrawn and used in the following three situations:1

Termination of use of medical insurance card: If the insured person dies, relatives can go through the withdrawal procedures with the death certificate; 2.Insured Immigration:

Handle the withdrawal procedures with the certificate issued by the public security department; 3.Off-site transfer: After enrolling in the local insurance, you can transfer the balance of the medical insurance account to the new account.

How do I get money out of my social security card?

Under normal circumstances, no, special channels can.

1. It is the premium paid by oneself in the medical insurance fee paid every month, and the employee medical insurance is paid in the unit, then the fee paid by the unit is transferred to the overall account, and the fee paid by the employee is transferred to the personal medical insurance card.

2. At the end of each month, a sum of money will be credited to the medical insurance card for in-service employees who pay medical insurance according to the regulations every month, and retired employees who still enjoy employee medical insurance after retirement. There are two accounts in the medical insurance card every month, one is a financial account, which is equivalent to a bank card; One is a personal account, and the balance in the account can be used for consumption at designated medical institutions.

How to check the balance of the medical insurance card.

Insured persons can choose the following ways to check the balance of the medical insurance card:

1. Bring your ID card and social security card to the social security institution for inquiry;

2. Enter the local social security bureau** and select online inquiry;

3. Dial 12333**** and follow the voice prompts to inquire.

Can I withdraw money from my health insurance card?

1. The money in the medical insurance card cannot be withdrawn, and can only be used to purchase drugs in designated cooperative pharmacies or clinics of medical insurance, and to pay for outpatient expenses, hospitalization expenses, etc.

2. However, if there are the following special circumstances, the money in the medical insurance card can be withdrawn:

1) When the cardholder dies, the medical insurance card will be terminated. The guardian or immediate family member can provide the relevant death certificate materials to apply for the withdrawal of the remaining amount in the medical insurance card;

2) If it is a cross-regional transfer of medical insurance, the amount in the medical insurance card can be withdrawn and then transferred to the medical insurance card that needs to be accepted in other places, which is an uninterrupted payment of the medical insurance card, and the payment period is still normally accumulated and counted;

3) If the cardholder has immigration needs, he or she can apply for the withdrawal of the medical insurance card and provide relevant supporting documents as required.

Legal basisArticle 23 of the Social Insurance Law of the People's Republic of China.

Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the state.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons can participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

As long as the financial account of the social security card is activated, you can withdraw money. Take Quanzhou as an example:

According to the relevant person in charge of the Municipal Medical Insurance Center, Quanzhou's social security card was loaded with financial payment functions as early as 2010, so the social security card is a card with two accounts, divided into medical insurance accounts and financial accounts, which is equivalent to a card for two purposes. As a social security card, it has the basic functions of social security card, such as information recording, information inquiry, and business handling.

As a bank debit card, it can be used for financial functions such as cash deposits and withdrawals, transfers, and spending. Due to the use of chip technology, its security is also stronger, the financial application is a RMB debit application, does not support the credit function for the time being, and the scope of use is limited to China.

But thisFinancial accounts must be activated at the bank counter before withdrawals can be made, transfers, and spending. Unfortunately, there are not many citizens who know about the function of financial payments, and even fewer who go to activate them.

Can I take out the money in the medical insurance?

1. The money in the medical insurance can be withdrawn in the following ways:

1) If the use of the medical insurance card is terminated and the insured person dies, the relatives can go through the procedures for obtaining the payment code with the death certificate;

2) The insured person shall immigrate and go through the withdrawal procedures with the certificate issued by the public security department;

3) Transfer to another place, after participating in the local insurance, you can transfer the balance of the medical insurance account to the new account.

2. Legal basis: Article 29 of the Social Insurance Law of the People's Republic of China.

The part of the medical expenses of the insured persons that should be paid by the basic medical insurance** shall be directly settled by the social insurance agency and the medical institution and the drug business unit.

The administrative department of social insurance and the administrative department of health shall establish a system for the settlement of medical expenses for medical treatment in other places to facilitate the insured persons to enjoy basic medical insurance benefits.

2. How to apply for a medical insurance card.

The process of applying for a medical insurance card is:

1. Prepare telegram materials, original and copy of ID card, one inch **, resignation, or resignation procedures, a copy of the household registration book, renewal medical insurance card, and medical records. If not, it can not be provided, everyone's situation is different;

2. Then go to the pension insurance institution where the household registration is located to receive the social insurance financial subsidy form, fill it in carefully and submit it, and submit all the prepared information;

3. The staff will conduct a review of the information provided, which can be completed on the same day, and a payment receipt will be issued;

4. According to the bank information on the payment slip, you can go there every month to pay insurance. If you are afraid of trouble, you can apply for a bank card and transfer money regularly;

5. Go to the medical insurance hall to get the medical insurance card with the first payment form, and there will be a medical record in some places, which is affixed with ** and has a steel seal, and you can bring it every time you go to the doctor;

6. Finally, you can transfer money to the bank card regularly, but you must remember that if you do not transfer money for more than three months, the medical insurance card will be frozen.