1. The medical insurance card can only be used to buy medicines in cooperative pharmacies or clinics designated by medical insurance, and pay for outpatient expenses and hospitalization expenses;
2. The insured person can enjoy the corresponding medical insurance benefits according to law after paying a certain number of years, but the paid medical insurance fees shall not be withdrawn in advance or used as cash consumption.
However, if there are the following special circumstances, the money in the medical insurance card can be withdrawn:
1. When the cardholder dies, the medical insurance card will terminate naturally. The guardian or immediate family members can provide relevant death certificates to apply for the remaining amount in the medical insurance card;
2. If the medical insurance is transferred across regions, you can apply to withdraw the amount in the medical insurance card and then transfer it to the medical insurance card that needs to be accepted in different places. This is the uninterrupted payment of the medical insurance card, and the payment period is still accumulated normally;
3. If the cardholder needs to emigrate, he can go through the formalities of returning the medical insurance card and provide relevant supporting documents as required.
Legal basis: Article 28 of the Social Insurance Law of People's Republic of China (PRC).
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 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.