Can the money in the medical insurance card be withdrawn? There is no clear statement in the social security law that the money in the medical insurance card cannot be realized. However, the general policy is that in order to ensure the safety of medical insurance fund, the fund of medical insurance card can only be used to purchase drugs, hospital registration and other consumption, which can not be reflected in general, or purchase household goods unrelated to drugs.
However, as far as I know, Beijing can cash out the money in the individual account of medical insurance by handling the medical insurance card passbook. Tianjin also has corresponding policies, but 70% of them can be taken. In addition, there are two ways of direct cash withdrawal for medical insurance card compliance, one is the death of the insured, the other is the transfer of medical insurance to other places.
As for the way of swiping the card to withdraw cash through the acquaintance in the drugstore, this is an illegal act. If it is investigated and punished, the qualification of the designated drugstore will be cancelled, and the corresponding cash out will be confiscated. In fact, it's the problem of individual medical insurance accounts, which has been criticized for a long time. Some areas, such as northeast China, have directly introduced medical insurance for employees without medical insurance personal account, only enjoying corresponding hospitalization reimbursement treatment. The personal account of medical insurance is also very strange. Our country stipulates that individuals should bear 2% of the payment proportion, but the country has regulations to return the proportion to the personal account, which is higher than 2%. What's the point of tossing back and forth? Just give the employee cash.
In the future, with the establishment of our national medical security bureau, the regulation of 2% deduction for individual medical insurance may be cancelled, which is a special type of insurance such as old-age care insurance. I hope that with the progress and development of our country, our medical insurance policy will become more and more reasonable, so that we can benefit more and more.
The accumulation fund can be withdrawn from the account in the form of purchase and rent. In recent years, employees who have no intention of purchase or who have already bought a house are advised to withdraw the accumulation fund in the form of rent. Many popular wealth management products have good income. They can not only pay the rent, but also get part of the income. Put the money in the accumulation fund account and lie still all the time It's a pity.
The money on the social security card can also be withdrawn, which may be unknown to many people. The procedures are also very simple. The social security of the small-scale contribution is Beijing's, so we have handled a social security passbook of the Bank of Beijing, and then at the end of each year, we take out the social security directly with the passbook. Because the social security quota is not large, it is not cost-effective to take out the social security every month. After saving for a period of time, we take out the money and then convert it into the financial products.
Of course, it can't be realized with the medical insurance card. The money in the medical insurance card can only be used when going to the hospital or taking medicine, but the medical insurance card and the social insurance card are the same card. Does the money saved and taken out by the society include the money of medical insurance.
Although the scope of use of individual account of medical insurance is relaxed conditionally at present, the use of individual account funds will also be further supervised. Among them: strictly investigate and punish the illegal behaviors such as using personal account to exchange items, falsely issuing invoices, withdrawing cash, etc.; any designated retail drugstore that uses personal account funds to buy and sell commodities other than those specified will be disqualified from being designated, and will also be fined.
At present, most cities have cancelled the medical insurance card and changed to social security card with a wider range. In fact, we all know that both the medical insurance card and social security card are convenient service cards for individuals who pay medical insurance. Every month, a certain amount of money will be paid into the individual's medical insurance card or social security card or social security card. In most cities of China, it is not It is allowed to withdraw money, that is, it cannot withdraw money from the card.
It can be used to see a doctor to buy medicine and hospitalization medical insurance. You can swipe the card directly when you register for medical treatment and take medicine in the outpatient department, and you don't need to pay in cash. After all, this part of money can't be withdrawn, and you can swipe the card directly if you need it. Now most hospitals have their own medical card, and then recharge for medical treatment. If we have social security card or medical insurance card, we can directly transfer it to the hospital's medical card for recharge, which is very convenient.