1, go to the local social security department for downsizing procedures;
2. The family members carry the ID card of the agent, the death certificate of the insured, the cremation certificate and the proof of kinship between the two parties, and withdraw the personal account balance from the original social security bureau;
3. If there are funeral expenses and pensions, you should also go through the relevant procedures in the Social Security Bureau;
4, if the heir did not participate in the basic medical insurance, personal account balance can be paid to the heir in one lump sum; If there is no heir, the balance will be included in the basic medical insurance pooling fund.
Provisions on the use of medical insurance cards:
1. Basic functions of medical insurance card: used for personal identity authentication and medical expenses settlement for participating in medical insurance;
2. Medical insurance card fund management: the funds in the medical insurance card are divided into personal accounts and overall accounts, and the personal accounts can be used to pay part of medical expenses;
3. Report the loss and reissue the medical insurance card: if the medical insurance card is lost, the cardholder shall report the loss in time and reissue it according to the prescribed procedures;
4. Transfer and cancellation of medical insurance card: When the cardholder changes his work place or retires, the medical insurance card can be transferred or cancelled;
5. Annual liquidation of medical insurance card: Every year, the medical insurance department will conduct annual liquidation of medical insurance card to ensure the correctness of account funds.
To sum up, after the death of a loved one, the family members need to go to the local social security department to go through the formalities of downsizing, and bring relevant supporting documents to the original social security bureau to withdraw the balance of their personal accounts, and at the same time go through the formalities of funeral expenses and pensions. If the heir does not participate in the basic medical insurance, the balance of the personal account can be paid to the heir in one lump sum; If there is no heir, the balance will be included in the basic medical insurance pooling fund.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 14
Personal accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.