There are many ways to use it, and medical insurance cards in many areas have been merged with social security cards. Starting from the second generation social security card, there are two accounts in the social security card, one is the social security account, which is what we often say, and the other is the financial account. When we pay the employee social security, all the employee medical insurance personal contributions go into the medical insurance personal account, and the part paid by the unit also goes into the medical insurance personal account according to the personal contribution base and a certain proportion.

1. Medical expenses incurred in designated hospitals that are not covered by medical insurance reimbursement and need to be borne by individuals can be paid by medical insurance personal accounts. Of course, this does not include beauty, bodybuilding, non-functional plastic surgery, orthopedic surgery and various non-disease treatment expenses such as weight loss, weight gain and height increase.

2. When purchasing drugs (quasi-brand drugs and Chinese herbal pieces), medical devices (food and drug supervision machinery words, drug supervision machinery words) and disinfection products (Xiao Weizi words) in designated pharmacies, you can pay with the medical insurance personal account.

3. Physical examination and vaccination The balance of medical insurance personal accounts in some provinces and cities can pay for physical examination or vaccination for themselves and their children, such as Shenzhen.

According to incomplete statistics, there are more than ten provinces and cities (Jiangsu, Guangdong, Liaoning, Fujian, Hunan, Shanghai, Zhejiang, Chongqing, Guizhou, Yunnan, etc.). ) have introduced relevant policies. When certain conditions are met, commercial health insurance can be purchased with the balance of medical insurance personal account.

Generally, there are only two situations in which you can withdraw money from your personal medical insurance account:

1. If the insured dies suddenly, his successor can withdraw all the money and principal and interest from his personal medical insurance account. If an heir participates in medical insurance, he can transfer it to his own medical insurance card by transfer.

2. When the insured leaves the country, he must withdraw money from the personal account of medical insurance with the exit certificate and other materials. It is illegal to cash out or withdraw medical insurance cards by other means.

It should be noted that migrant workers who return to their household registration or go to other places for employment can transfer medical insurance according to regulations, transfer the money in medical insurance to other places, and accumulate the payment period of medical insurance.