Answer: The money in the medical insurance card cannot be withdrawn in cash. It can only be put in there for your medical expenses. However, there is a fixed usage quota and the scope of reimbursed drugs every year. For specific information, you can consult the Social Security Bureau. The basic medical insurance premiums paid by the employer are transferred to the personal account according to the following standards: (1) Employees under the age of 45 are paid according to the employer’s 0.8% of the unit’s monthly per capita salary shall be allocated; (2) Employees over 45 years old shall be allocated 1.2% of the employer’s per capita monthly salary; (3) Retirees under the age of 70 shall be allocated according to this 3.8% of the city’s employees’ per capita monthly paid wages will be allocated; (4) Retirees over 70 years old will be credited with 4.4% of the city’s employees’ per capita monthly paid wages. The money in the medical insurance card cannot be withdrawn in cash. It can only be put in there for your medical expenses. However, there is a fixed usage quota and the scope of reimbursed drugs every year. For specific information, you can consult the Social Security Bureau.
Basic medical insurance premiums paid by the employer shall be transferred into personal accounts according to the following standards:
(1) Employees under the age of 45 shall pay 0.8% of the employer’s monthly per capita salary.
(2) Employees who are 45 years of age or older shall be included at 1.2% of the employer’s monthly per capita salary;
(3) Retirees who are under 70 years old 3.8% of the per capita monthly salary of employees in this city will be included;
(4) Retirees who are over 70 years old will be included in the amount of 4.4% of the per capita monthly salary of employees in this city. Many young people are young and strong, and rarely get sick all year round. They feel very unhappy when they see a lot of RMB accumulated in their medical insurance cards but cannot use it. Wouldn't it be better if they took out these RMB and used them for other purposes? So they will ask, Can the medical insurance card be cashed out? The following is the method of cashing out the Changsha Bank medical insurance card compiled by the editor of Xuexuela. I hope you like it!
How to cash out the Changsha Bank medical insurance card
Currently There are only two situations where you can cash out your medical insurance card. The first is when the insured person dies suddenly, and his heirs can withdraw all the principal and interest from his medical insurance card. If the heir participates in medical insurance, it can be transferred to the heir's medical insurance card through transfer.
The second is that the insured person needs to leave the insured city, then he must first stop the medical insurance card, and then he can withdraw the money in the account with the certificate of suspension. However, if this person is already in other cities Once you are insured, you need to transfer the money in the disabled medical insurance card to your new account through transfer.
It is illegal to withdraw cash from medical insurance cards in other ways. Never use your medical insurance as a joke, otherwise it will be frozen if found out, and you will not be able to protect your life through medical insurance. Healthy and safe.
Possible consequences of cashing out medical insurance cards
Generally speaking, it is impossible to withdraw all the cash, but you have to pay a certain discount to those who help you cash out. This discount is quite high. In this way, the amount in your medical insurance card will depreciate and will be gone when you actually use it.
The medical insurance card records your health status. If you need emergency treatment one day but do not have a medical record, the consumption record in the medical insurance card can allow the doctor to easily understand your recent expenses. Which medicines were used, which hospitals were visited for treatment, etc.
The amount in the medical card has no expiration date, so it accumulates over a long period of time and always exists, and there is also a certain amount of interest. When you have a sudden illness and don't bring enough cash, the money in your medical insurance card is enough to save your life, so cherish the money in your medical insurance card and don't depreciate it to cash out.
Introduction to Changsha Bank Medical Insurance Card Cashout
According to Changsha Daily, a message about "Changsha Medical Insurance Card High Amount Cash Withdrawal - Cash Out to Get Medical Insurance Cash" is often found on bus stop signs. Small poster. The staff of the Changsha Medical Insurance Center reminds all insured persons: In order to protect the interests of the medical insurance center and insured persons from losses, insured persons are requested to consciously resist the "cash-out" trap.
The reporter tried to dial the number on the poster, and a woman answered the phone. The reporter lied that he wanted to withdraw the money from his medical insurance card, but had no way.
The other party immediately said that he could help, as long as he brought his medical insurance card to him and promised to withdraw the cash. The reporter asked him how to withdraw money. He said: "I use your card to buy medicine and then give you the money. You can also withdraw cash, but there is a percentage. If you ask me to transfer 1,000 yuan, it means asking me to buy 1,000 yuan." I can only give you 700 yuan for the medicine. If the money is too small, I can only give you the money at a ratio of 75 yuan." The reporter asked the other party if he would sell the medicine after buying it, and the person said: "Then don't worry about it. "
Gao Jincai, a staff member of the Changsha Urban Employees Basic Medical Insurance Management Center, told reporters: "Cash-out" behavior is a serious violation. According to Changsha Municipal Government Order No. 5 of 2001, the medical insurance fees of insured persons should be used for their own medical treatment and are earmarked funds and should not exceed the scope of medical services.
Some insured persons have poor awareness of self-protection and believe that by withdrawing cash to obtain benefits, they are actually harming their own interests. If medical insurance fees cannot be used properly, the interests of the medical insurance center will also be lost. Interviews with reporters revealed that some profit-seeking people colluded with pharmacies to create a channel for using medical insurance cards to buy and sell medicines. The middlemen and drugstore operators jointly earned the difference between the withdrawal and payment of insured personnel's medical insurance funds. The staff of the medical insurance center said that if a pharmacy is found to be "cash-out", it will immediately terminate the agreement with the pharmacy and recommend that the administrative department cancel its designated qualification.