The money in the medical insurance card can be withdrawn, but it must meet the following conditions: if the use of the medical insurance card is terminated and the insured person dies, the relatives can go through the withdrawal procedures with the death certificate; Insured immigrants can go through the formalities of surrender; If it is transferred from another place, the balance of the medical insurance account can be transferred to the new account.

Medical insurance reimbursement categories and supporting materials:

1. Transfer for medical treatment: If it is really necessary to transfer for medical treatment, if the condition is urgent, the formalities should be completed within 7 days of transfer and admission;

2. Resettlement and work in different places: if you want to live and work in different places for more than half a year, you must go through the registration formalities in advance;

3. Medical expenses during short-term outings such as business trip, visiting relatives and traveling: acute illness: providing business trip certificate, visiting relatives certificate, travel contract, air tickets in real-name registration system, etc. At the time of reimbursement; Chronic disease outpatient maintenance treatment: increase the medical records of Xiamen, and the measures of diagnosis and treatment during the period of absence shall not exceed Xiamen;

4. Off-site delivery: hospitalization delivery expenses and reasonable prenatal and postpartum examination expenses;

5. Failures of social security system in local and urbanized areas cannot be settled in real time by credit cards: the invoices of the charging offices of medical institutions should be endorsed and stamped;

6. The social security card is reported lost or damaged, and the printing of the business card is delayed: the back of the invoice of the social security card management department is stamped for confirmation;

7. The number of outpatient visits in a single month exceeds 20: the bill must be settled by credit card and show the number of registered visits, and outpatient records must be provided;

8. Acute illness or rescue without social security card: the medical records of outpatient or inpatient should be detailed and clear enough to be identified as acute illness or rescue;

9. Off-catalogue drug expenses of retired cadres: An Approval Form for Off-catalogue Drugs of Retired Cadres should be provided and stamped with the official seal of the hospital medical insurance management department; The retired cadres entrusted by the provincial two-level charging center should provide health care certificates;

10. Enrolment status, change, change of insured unit and delay in receiving local tax data: reimbursement can be made after the local tax change is confirmed in the middle of the next month;

1 1. Medical expenses of newborns from birth: they should be insured within three months of birth and paid in time, and can only be reimbursed after receiving the money. Need a birth certificate; For the unnamed newborn at the time of expense, the name on reimbursement vouchers such as medical expense invoices, summary tables and discharge records should be the name of the mother or father followed by "son" or "daughter".

To sum up, if the insured dies suddenly, his heirs can withdraw all the money and principal and interest from his personal medical insurance account. When the insured leaves the country, he can also withdraw money from his personal account with the relevant exit procedures.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium 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.