Can the balance of the medical insurance be withdrawn, and can the balance of the medical insurance

The medical insurance card can be taken out, but if certain conditions are met, the following three situations can be withdrawn:

1. If the use of the medical insurance card is terminated, if the insured person dies, the relatives can go through the withdrawal procedures with the death certificate;

2. If the insured immigrates, he or she can go through the withdrawal procedures;

3. If it is transferred from another place, the balance of the medical insurance account can be transferred to the new account.

How to use the medical insurance card:

1. Scope of use of medical insurance card: When insured employees seek medical treatment and purchase drugs in designated hospitals and pharmacies, they can use the card on the POS machine with the password, but they cannot withdraw cash or transfer money;

2. Inquiry of the balance of the medical insurance card: The insured employees can inquire about the balance by dialing **, or they can inquire at the savings office of the Bank of China or the designated hospitals and pharmacies in the urban area. You can also go online to log in to the social security inquiry system;

3. Medical insurance card transaction inquiry: Insured employees can go to the savings office of Bank of China to print the transaction records of medical insurance cards with their ID cards and medical guarantees, including the allocation records and consumption records of personal account funds. If you have any questions about the transaction records, you can go to the Retail Business Department of Bank of China to make inquiries;

4. Medical insurance card password: If the insured employee changes the password, he or she can call ** to change it, or he can go to the Bank of China Savings Bank with his ID card to change it. If the insured employee forgets the password, he or she can report the loss of the original password and change the password at the Bank of China Savings Office with his ID card.

5. Custody of medical insurance card: Insured employees should take good care of their medical insurance card, if they are accidentally lost, please immediately go to the unit to issue a letter of certification and go to the medical insurance office to seal and confirm, and then take the ID card to the Bank of China savings office to report the loss, and go through the procedures for replacing the card, and you can get a new card after 7 days;

6. Precautions: When the number of medical insurance card transactions reaches 60 times, the insured employees must go to the Bank of China Savings Office 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.

[Legal basis].

Article 25 of the Social Insurance Law of the People's Republic of China The State shall establish and improve the basic medical insurance system for urban residents.

The basic medical insurance for urban residents implements a combination of individual payment and subsidy.

Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families, etc., will be subsidized by **.

Yes, but at present, only a few areas can be withdrawn, and not all of them can be withdrawn, and part of the money in the medical insurance card can be withdrawn in accordance with the regulations to subsidize other personal expenses. For example, according to the "Opinions on Further Improving the Medical Insurance System" of Tianjin, the insured can withdraw it by themselves to compensate for the medical expenses borne by individuals and pay for the purchase of commercial health insurance, health examination and other expenses.

We take Tianjin as an example, Tianjin medical insurance card cash withdrawal is mainly in accordance with the unified account combination model to participate in the basic medical insurance for employees, 70% of the amount of the monthly personal account to implement capital injection management, the insured personnel can withdraw by themselves, the remaining 30% continue to implement bookkeeping management, specifically used to pay for the insured personnel medical treatment within the medical insurance policy expenses.

That is to say, 70% of the medical insurance card can be taken out to subsidize itself, but 30% cannot be moved, that is, the remaining 30% can only be used as a "special fund" for the expenses within the medical insurance policy when the insured person seeks medical treatment. For example, someone has 5,000 yuan of medical insurance funds in their medical insurance card, but they can only withdraw 5,000 * 70% = 3,500 yuan, and 1,500 yuan cannot be withdrawn.

1. Can I withdraw the money from the medical insurance card?

1. The medical insurance card can be taken out. However, if certain conditions are met, the following three situations can be taken out:

1. If the use of the medical insurance card is terminated, if the insured person dies, the relatives can go through the withdrawal procedures with the death certificate;

2. If the insured immigrates, he or she can go through the withdrawal procedures;

3. If it is transferred from another place, the balance of the medical insurance account can be transferred to the new account.

2. Legal basis: Article 4 of the Social Insurance Law of the People's Republic of China stipulates that employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and personal rights and interests records, and request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.

Article 58.

The employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.

The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

The balance of the medical account of the social security card cannot be withdrawn, but can only be reimbursed, because according to the "Detailed Rules for the Implementation of the Social Insurance Law of the People's Republic of China", after the employee leaves the company, he can only apply for reimbursement of medical insurance when he or she is sick and seeks medical treatment, and the medical expenses incurred in the agreed medical institutions are used in accordance with the standards of the basic medical insurance drug catalog, diagnosis and treatment items, and medical service facilities.

Article 8 of the implementation of the "Several Provisions of the Social Insurance Law of the People's Republic of China" is a group The medical expenses incurred by the insured persons in the agreed medical institutions, in line with the basic medical insurance drug list, diagnosis and treatment items, and medical service facility standards, shall be paid from the basic medical insurance ** in accordance with national regulations. If the insured person really needs emergency treatment or rescue, he or she can seek medical treatment in a non-agreed medical institution; The scope of drugs that must be used for rescue purposes may be appropriately relaxed. The specific management measures for medical services for emergency and rescue of insured persons shall be formulated by the overall planning area according to the actual local situation.

Legal Analysis]: At present, only a very small number of regions (such as Beijing) can withdraw the money from the personal account of medical insurance and use it freely. In most areas, the money in the personal account of medical insurance cannot be withdrawn, and can only be used to buy drugs in designated hospitals and pharmacies.

When you go to a pharmacy or hospital, you can use the balance in your personal account on your health insurance card and do not need to pay cash yourself.

Generally, there are only the following two situations in which the money in the medical insurance personal account can be withdrawn:

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

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

Other ways of cashing out and withdrawing medical insurance cards are illegal.

It should be noted that migrant workers who return to their place of residence or go to other places for employment can transfer medical insurance in accordance with the regulations, and can transfer the money in medical insurance to other places, and at the same time can accumulate the number of years of medical insurance payment.

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