Whether medical insurance can withdraw money depends on the nature of the medical insurance card held and the relevant local policies, and most of them cannot be taken out. The medical insurance card is a certificate issued by the social security agency to employees after the company has paid for medical insurance for employees, which is equivalent to a passbook, but it cannot handle deposit and withdrawal business. When an employee goes to an outpatient clinic or hospital for medical treatment when he is sick, he can use this card to spend money in a designated medical insurance hospital or pharmacy.

1. Can I withdraw money from my medical insurance card?

(a) the money in the medical insurance card can not be taken out, only in designated hospitals and pharmacies for medical treatment and medicine. But in the following three cases, the money in the medical insurance card can be withdrawn and used:

1. The medical insurance card is terminated: if the insured person dies, the relatives can go through the surrender formalities with the death certificate;

2. Immigrant of the insured: handle the surrender formalities with the certificate issued by the public security department;

3. Transfer in different places: After local insurance, the balance of medical insurance account can be transferred to a new account.

(2) The money that can be withdrawn from the medical insurance card is only in the personal account, and the proportion is very small. Medical insurance premiums paid by employers and individuals will be deducted according to a certain proportion and included in personal accounts. The average individual contribution rate is 2% of the average salary of last year, and the unit contribution rate is related to the age of employees.

Second, will the money in the medical insurance card be cleared?

1, the money in the medical insurance card will not be cleared. Although the medical insurance can no longer be reimbursed after 6 months, as long as there is money in the medical insurance card, the balance can still be used to buy medicine, see a doctor and be hospitalized, and it will not be cleared.

2. After the medical insurance is stopped, although the medical insurance card function will be deactivated, the balance of the medical insurance card account will not be cleared. Take the insured's termination of insurance in June as an example. The account balance of that year was settled in June, and all the account balances of previous years were in the account. When the insured resumes insurance, the balance will be automatically accumulated.

Obviously, although there is money in the medical insurance card account, the money in it is different from that in the bank card, so it can't be withdrawn and can only be used for seeing a doctor or buying medicine. Even if medical insurance payment is interrupted due to special circumstances, as long as there is a balance in the medical insurance card, you can still use the card to see a doctor.

legal ground

Article 28 of the Social Insurance Law

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

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.