The difference between Beijing medical insurance card and medical insurance passbook

First, medical insurance passbook

The medical insurance passbook indicates the medical insurance balance.

The Announcement issued by the Beijing Municipal Bureau of Human Resources and Social Security reminds citizens that the funds injected into the medical insurance passbook belong to individuals, and the funds injected into the personal medical insurance passbook can be freely withdrawn at Bank of Beijing (or Beijing Rural Commercial Bank) at any time with the medical insurance passbook.

The basic medical insurance for employees in Beijing consists of two parts: individual account and overall fund. A certain percentage of the medical insurance premium paid by the employer and the individual shall be deducted and included in the personal account. Individual employees pay 2% of the average salary of the previous year, and the proportion of unit contributions varies according to the age of employees. Take employees under the age of 35 as an example, the unit payment is .8% of their monthly salary base. In other words, 2.8% of the wages of employees under the age of 35 have entered personal accounts. The money in the personal account will be remitted to the insured's medical insurance passbook on a monthly basis.

according to the medical insurance policy, the money in the personal account is used for the insured to see a doctor and buy medicine. In most parts of the country, it is stipulated that the money in personal accounts can only be used for personal medical treatment or hospitalization, and cannot be freely withdrawn. However, the situation in Beijing is different, and the insured can withdraw the money from the medical insurance passbook at any time.

second, social security card

a social security card is a card, which is used for medical treatment. Medical insurance card is a name given by ordinary swindlers, but there is no such name as medical insurance.

Related events

The website of Beijing jointly refuted rumors platform published the "213 Spam SMS Report", and ranked the fraudulent SMS messages, among which remittance fraud ranked first; Fraud in the name of counterfeiting medical and social security ranks second; After that, they are fake express delivery, fake bank, popular TV program winning fraud, fake relatives fraud, fake landlord fraud and so on.

The main forms of social security fraud are: abnormal social security card, problems with social security reimbursement, preferential social security premium, being swiped in different places, and repeated participation in insurance. For many citizens, in the media propaganda, the above scams are easy to see through. However, after the "news" that Beijing's medical insurance balance will not be cashed out, the number of frauds related to cash withdrawal of medical insurance balance has increased.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.