First, the use of medical insurance card funds

The funds in the medical insurance card are usually composed of medical insurance expenses paid by individuals and units. These funds are mainly used to pay the medical expenses incurred by the insured in the designated medical institutions for medical treatment and drug purchase. The original intention of medical insurance card design is to facilitate the insured to settle medical expenses and reduce their economic burden.

Second, the medical insurance card funds withdrawal restrictions

Because the funds in the medical insurance card have a specific purpose, it is usually not allowed to withdraw directly. This is to ensure that the medical insurance fund is earmarked to prevent abuse and misappropriation. If the medical insurance fund is allowed to be withdrawn at will, it may lead to the loss of medical insurance fund and affect the normal operation of medical insurance system.

Third, extraction under special circumstances.

Although it is generally not allowed to withdraw medical insurance funds, it may be allowed to withdraw some medical insurance funds under some special circumstances. For example, if the insured person dies for some reason, the balance in his medical insurance card can be inherited by his heir according to regulations; Or in some areas, there may be special extraction policies for specific groups (such as poor people and severely disabled people). These situations need to be determined according to local medical insurance policies and regulations.

IV. Legal and compliant use of medical insurance funds

As the insured, they should abide by the policies and regulations of medical insurance and use the medical insurance fund legally and compliantly. Don't try to get medical insurance funds by illegal means, which may not only lead to personal credit damage, but also face legal responsibility. At the same time, we should also pay attention to the update and change of medical insurance policy and know our rights and obligations in time.

To sum up:

Generally, the money in the medical insurance card can't be withdrawn directly, which is mainly used to pay personal medical expenses. This is to ensure the earmarking of the medical insurance fund and maintain the normal operation of the medical insurance system. Under special circumstances, it may be allowed to withdraw part of the medical insurance fund, but it needs to be determined according to the local medical insurance policy. As the insured, they should abide by the policies and regulations of medical insurance and use the medical insurance fund legally and compliantly.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 28 provides that:

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.

People's Republic of China (PRC) social insurance law

Article 30 provides that:

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.