Social security card is not a card exclusively owned by a bank, but a card issued by local human resources and social security departments for the society. Social security cards can be handled at ICBC, Agricultural Bank, Bank of Communications, China Construction Bank, Postal Savings Bank and other banks.

the specific bank to be handled should be determined according to the bank cooperated by the local social security bureau, and there is no uniform provision in the law.

1. Brief introduction of social security card:

Social security card of the People's Republic of China is an integrated circuit (IC) card issued by local human resources and social security departments for various business fields of human resources and social security.

Social security cards have a wide range of functions. Cardholders can not only make real-time settlement of medical insurance personal accounts with their cards, but also handle endowment insurance affairs; Go through the formalities of job registration and unemployment registration; Apply for unemployment insurance; Apply for employment training; Apply for labor ability appraisal and enjoy work-related injury insurance benefits; Handle labor and social security affairs online.

The social security card is being implemented, and the work of expanding the application field of social security cards is being deployed. To this end, the Ministry issued the Notice on Loading Financial Functions into Social Security Cards. The social security card loaded with financial functions not only has the functions of information recording, information inquiry and business handling, but also can be used as a bank card, with financial functions such as cash deposit and withdrawal, transfer and consumption. In order to promote financial services to people's livelihood and facilitate people to enjoy social security benefits and financial services.

second, medical insurance personal account

1. The full name of medical insurance personal account is individual medical insurance personal account. Personal accounts are mainly used to record and store personal account funds, and are used for personal medical consumption according to regulations.

2. The main sources of personal account funds include: medical insurance premiums paid by individuals; A certain proportion of social medical insurance premiums paid by the employer; Some include personal account start-up funds paid by employers for individuals; There is also the interest income of personal account funds generated with the increase of insurance years.

Third, the scope of personal account payment:

It is usually used to pay the specific medical expenses of the insured:

1. Outpatient expenses incurred by designated medical institutions;

2. Drug purchase expenditure of designated retail pharmacies;

3. among the basic medical expenses for specific items of hospitalization and outpatient service in designated hospitals, the expenses below the minimum threshold of the fund shall be co-ordinated; Expenses that exceed the minimum threshold and should be borne by individuals.

the insured person shall pay medical expenses with the funds in his personal account, which shall conform to the provisions of the scope of basic medical drugs, the scope of diagnosis and treatment items, the scope of medical service facilities and payment standards.

Legal basis:

Social Insurance Law of the People's Republic of China

Article 4 Employers and individuals in the People's Republic of China and China pay social insurance premiums according to law, have the right to inquire about payment records and personal rights and interests records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

article 58 an employer shall apply for social insurance registration for its employees within 3 days from the date of employment. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Individual industrial and commercial households without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.