The basic medical insurance premiums paid by the employer are transferred to the personal account according to the following standards:
(a) 0.8 percent of the monthly per capita contribution salary of the employer for employees less than 45 years of age;
(b) 1.2 percent of the monthly per capita contribution salary of the employer for employees more than 45 years of age;
(c) 0.8 percent of the monthly per capita contribution salary of the retiree for employees less than 70 years of age;
(d) 1.2 percent of the monthly per capita contribution salary of the employee in the city. The retirees are allocated according to 3.8% of the monthly per capita contribution salary of the city employees;
(d) the retirees who have reached the age of 70 are allocated according to 4.4% of the monthly per capita contribution salary of the city employees. Many young people are young and strong, almost always not sick, looking at the health insurance card has accumulated a lot of yuan but can not use the heart is particularly upset, if these yuan out of the use of it is not better? Therefore, they will ask, medical insurance card can cash? The following by the study la for you to organize the Changsha bank medical insurance card cash method, I hope you like!
Changsha bank medical insurance card cash way
Currently medical insurance card cash can only be two kinds of circumstances. The first is the sudden death of the participant, his heir is able to withdraw all the money inside his medical insurance card principal plus interest, if the heir participates in the medical insurance, you can transfer the form of transfer to the heir's medical insurance card.
The second type is that the participant needs to leave the city, then he must first suspend the card, with the proof of suspension before you can withdraw the money in the account, but if the person has already participated in other cities, you have to transfer the money in the form of suspension of the card into the new account.
Any other way of withdrawing money from your health insurance card is illegal, so don't joke around with your health insurance, or if you are caught, it will be frozen and you won't be able to keep your life and health safe through your health insurance.
Possible consequences of cashing out your health insurance card
Generally speaking, it is not possible to withdraw all the money if you are cashing out, but you have to pay those who are cashing out for you at a certain discount, which is quite high. This depreciates the value of the amount in your health insurance card, which will be gone by the time you actually use it.
Medicare cards are a record of your health, so if you happen to need emergency care one day and don't have your medical records with you, the spending history on your card will make it easy for your doctor to find out what medicines you've been using, which hospitals you've been to for treatment, and so on.
The amount of money on your card has no expiration date, so it accumulates over time and is always there, with some interest. When you have a sudden illness and don't have enough cash with you, the money in your card can be enough to save your life, so cherish the money in your card and don't go to depreciate it.
Changsha bank medical insurance card cash situation
According to Changsha Daily News, bus stops often found a small posters about "Changsha medical insurance card high amount of cash - cash cash to cash medical insurance cash". Changsha health insurance center staff reminded the majority of participants: in order to maintain the health insurance center and the interests of individual participants will not be lost, please consciously resist the "cash" trap.
The reporter tried to dial the number on the poster, a woman answered the phone. The reporter lied that he wanted to put the money in the medical insurance card, but bitterly no doorway. The other party immediately said he could help, as long as the health insurance card to bring him, to ensure that the cash will be raised. The reporter asked him how to withdraw, he said: "I use your card to buy drugs, and then give you money. Cash withdrawals are fine, but there's a percentage. If you ask me to withdraw 1,000 yuan, it is the same as asking me to buy 1,000 yuan of medicine, I can only give you 700 yuan. If you have less money to scratch, you can only be paid at 75%%%." The reporter asked if the other person sells the medicine after buying it, and the person said, "Then you don't care."
Gao Jincai, a staff member at the Changsha Urban Employees' Basic Medical Insurance Management Center, told reporters that the "cash-in" behavior is a serious violation. According to the Changsha Municipal Government's Decree No. 5 of 2001, participants' medical insurance fees should be used for their own medical treatment, and should not be used beyond the scope of medical services.
Some of the insured are less aware of self-protection, and think that they have gained benefits by offering cash, but in fact, they have jeopardized their own interests. If you can not properly utilize the health insurance costs, the interests of the health insurance center also suffered losses. Reporter's interviews show that some lucrative collusion with the drugstore to create a medical insurance card to buy drugs and sales channels, the middleman and the drugstore **** with the same to earn the difference between the participants in the medical insurance fund withdrawals and payments. Medical insurance center staff said, if found "cash" pharmacy, will immediately suspend the agreement with the pharmacy, and recommended that the administrative department to cancel its fixed-point qualification.
Legal basis：
《中华人民****和国社会保障卡管理办法》
Article 4 The social security card in accordance with the principle of "one card for multiple uses, the whole country common" for the construction. The issuance of social security cards in each region must follow the requirements of security, integrity and public welfare, and adopt nationally unified standards and specifications to ensure nationwide use.
Article 5 Provincial human resources and social security departments or prefectural and municipal human resources and social security departments may issue social security cards with the approval of the Ministry of Human Resources and Social Security. No other institution or organization may issue social security cards.
Article 6 The region issuing social security cards (hereinafter referred to as the card-issuing region) shall establish standardized human resources and social security business processes, with strong integrated coordination among the various businesses, and be able to ensure the effective application of social security cards. At the same time, should also have the following technical conditions:
(I) the establishment of the application of social security cards to provide back-office support for business management systems, databases and information networks suitable for the use of the card mode;
(II) with the support of the social security card management and application of the technical force, including personnel, equipment, etc., to be able to quickly complete the social security card application of the system layout;
( (C) develop standardized and feasible implementation plans, including application design plans, cost solutions, information collection plans and specific issuance plans;
(D) establish a scientific and perfect social security card issuance, management system and clear internal control procedures, and develop a plan to deal with emergencies;
(E) other conditions stipulated by the Ministry of Human Resources and Social Security.