Social security card has the function of financial account, but social security account and financial account are separate. At first, this card only has the function of medical insurance card, and can only be used in hospitals and designated pharmacies. If you need to shop in the supermarket, you need to go to the bank to activate the financial function, but you can't swipe the money in the medical insurance account when you swipe your card in the supermarket.

How to use the medical insurance card:

1. Scope of use of medical insurance card: When insured employees go to designated hospitals and pharmacies for medical treatment, they can swipe their cards on POS machines with their passwords, but they cannot withdraw cash or transfer money;

2. Inquire about the balance of the medical insurance card: the insured employees can inquire about the balance by telephone, or at the savings office of China Bank or the designated hospitals and pharmacies in the urban area;

3. Inquiry of medical insurance card transaction: Insured employees can print medical insurance card transaction records, including personal account payment records and consumption records, at China Bank Savings Office with their ID cards and medical insurance requirements. If you have any questions about the transaction records, you can go to the retail business department of Bank of China for enquiry.

4. Custody of medical insurance card: Insured employees should properly keep the medical insurance card. If they accidentally lose it, please immediately issue a letter of proof to the unit and stamp it in the medical insurance office for confirmation. Then, they will take their ID cards to China Bank Savings Office to report the loss and go through the replacement procedures. After 7 days, they can get a new card.

To sum up, the amount that can be used in the social security card is the medical insurance amount returned to the individual's personal account, and the medical insurance fund is earmarked.

Legal basis:

Article 29 of People's Republic of China (PRC) Social Insurance Law

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

Article 30

The following medical expenses are not included in the payment scope of the basic medical insurance fund:

(a) shall be paid by the industrial injury insurance fund;

(2) It shall be borne by a third party;

(three) shall be borne by public health;

(4) Go abroad for medical treatment.

Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.