Can I withdraw the money from the medical insurance card, and can I withdraw the money from the medi

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.

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 records of individual rights and interests, and to 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.

2. What day of the month will the money from the medical insurance card be credited?

The medical insurance company will pay a certain percentage of the contribution salary, age, etc., to the personal account, 12 times a year. The social medical insurance card, referred to as the medical insurance card or medical insurance card, is a special card for medical insurance personal accounts, which uses personal ID card as the identification code to store and record detailed information such as personal ID number, name, gender, and account fund allocation and consumption. The medical insurance card is undertaken by the local designated ** bank, which is a kind of multi-functional bank debit card.

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.

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.

Legal Analysis Zhongwu: At present, only in a very small number of regions (such as Beijing) can the money in the medical insurance personal account be withdrawn and used 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 we go to the pharmacy or hospital, we can use the balance in the personal account on the health insurance card, and we don't need to pay in cash.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 2 The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, and childbirth.

Under normal circumstances, the money in the medical insurance card cannot be withdrawn, and can only be used to see a doctor and buy medicine in designated hospitals and pharmacies; If it is a special circumstance such as the termination of the use of the medical insurance card, the immigration, and the transfer of the insured person, you can apply for cash withdrawal. Please consult your local hospital or relevant department for details.

Tianjin Municipal Human Resources and Social Security Bureau recently issued the "Notice on Optimizing the Management of Employees' Medical Insurance Personal Accounts", making it clear that from October this year, Tianjin medical insurance cards can be withdrawn from October, and 70% of the amount of their personal accounts in the current month will be subject to capital injection management.

The insured person can withdraw it by himself, which is used to compensate for the medical expenses borne by the individual and pay for the purchase of insurance, physical examination and other expenses; The remaining 30% will continue to be managed by bookkeeping, which will be used to pay for the expenses incurred by the insured in the medical insurance policy.

Legal analysis: 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.

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 **.

Hello, the scope of use of the personal account of employee medical insurance is as follows: 1. The medical expenses incurred in the medical institutions managed by the agreement are borne by the individual: 2. The expenses of vaccination and physical examination in the medical institutions managed by the agreement:

3. The cost of purchasing drugs and medical supplies in the agreement management drug business unit: 4. The cost of mutual medical assistance for serious illnesses that needs to be paid by individuals; 5. Personal commercial health insurance and accident insurance; 6. Other expenses in line with the regulations of the state, province and city. If the money in the medical insurance card is not used to buy medicine or go to the hospital for outpatient treatment, it cannot be withdrawn, and can only be used for medical treatment.

The so-called medical insurance card withdrawal in the current market is a number of illegal operations, but considering some individual special circumstances, national policies and regulations stipulate that cash can be withdrawn under the following two circumstances: first, the insured dies suddenly, and his heir can withdraw all the principal and interest in his medical insurance card, and if the heir participates in the medical insurance, it can be transferred to the heir's medical insurance card in the form of transfer; Second, if the insured person leaves the country, he or she must withdraw the money in the account with the exit certificate and other information. Other ways of cashing out and withdrawing medical insurance cards are illegal.

The amount of money that can be withdrawn from the health insurance card is only in the personal account, and it accounts for a very small proportion. A certain percentage of the medical insurance premiums paid by the employer and the individual will be deducted and included in the personal account. Generally, the individual contribution ratio is 2% of the average monthly salary of the previous year, and the unit contribution ratio is related to the age group of the employee.

In general, the salary of employees under the age of 35 is deposited in a personal account, and this money is remitted to the medical deposit book on a monthly basis. In most parts of the country, the money in the medical insurance account can only be used in hospitals or pharmacies, and cannot be withdrawn at will. However, at present, Beijing will be allocated to the Beijing Bank Medical Deposit Book specially set up for citizens every month, and the insured can withdraw money at any time, which cannot guarantee the special use of funds.

In other words, the current situation is to collect the money first and then send it on. Specifically, the money in the health insurance card serves two purposes. First of all, the money in the health insurance card can be used to buy medicine for yourself.

Second, when hospitalized, we deduct it from the medical insurance card, if the money in the medical insurance card is not enough, we must make up for it when discharged, and if there is no money in the medical insurance card, we have to spend it ourselves, and it will not be reimbursed. 85% of the reimbursement in the medical insurance such as drug expenses** and material expenses, and only the hospitalization expenses will be reimbursed every day.

Legal basis] Detailed Rules for the Implementation of the Social Insurance Law of the People's Republic of China

Eighth insured persons in the agreement of the medical expenses incurred in the medical institutions, in line with the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards, in accordance with the provisions of the State from the basic medical insurance **.

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.

The money in the health insurance card may not be withdrawn:

1.The medical insurance card has two accounts, namely a financial account and a personal account, and the function of the financial account is similar to that of a savings bank card, which can be used to deposit and withdraw and transfer, but the premise is that there is money in it; The personal account is the account into which the money paid every month is entered, but most regions stipulate that the money in the personal account can only be used to buy medicine and see a doctor, etc., and cannot be withdrawn;

2.The medical insurance policy in some areas stipulates that the money in the medical insurance card can be withdrawn, such as Tianjin;

3.If the insured person dies, or needs to apply for the regional transfer of the medical insurance card, or immigration, etc., you can apply for the withdrawal of the remaining amount of the medical insurance card.

The money you have deposited can be withdrawn It is equivalent to having the function of a bank card In addition, the following situations can also 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. Immigration of the insured: go through the withdrawal procedures with the certificate issued by the public security department;

It can't be taken out unless the person is no longer with a death certificate.

In addition, someone cashed out his health insurance card.

Summary. Dear, I'm glad to answer for you, the money in the medical insurance card is generally not directly withdrawn. If the insured person incurs medical expenses due to hospitalization and other circumstances, he or she can go to the social insurance agency, designated medical institution, or yao store to settle directly according to the law, but the money in the medical insurance card cannot be used like cash.

Dear, I'm glad to answer for you, the money in the medical insurance card is generally not directly provoked. If the insured person incurs medical expenses due to hospitalization and other circumstances, he or she can go to the social insurance agency, designated medical institution, or yao store to settle directly according to the law, but the money in the medical insurance card cannot be used like cash.

According to Article 26 of the Social Insurance Law of the People's Republic of China, the treatment standards for basic medical insurance for employees, new types of rural medical treatment and basic medical insurance for urban residents shall be implemented in accordance with national regulations. Article 28 of the Social Insurance Law of the People's Republic of China conforms to the basic medical insurance catalogue, diagnosis and treatment items, medical service facility standards and emergency and rescue medical expenses, in accordance with national regulations from the basic medical insurance ** Yu Dan payment. Article 29 of the Social Insurance Law of the People's Republic of China stipulates that the part of the medical expenses of the insured persons that should be paid by the basic medical insurance shall be directly calculated by the social insurance agency and the medical institution and the yao product 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.