Social security card can only brush medical insurance？ If you think so, you will lose a lot!

　　CCTV News:Many people think that the social security card can only be used for medical insurance, but in fact, there is also a financial account in the social security card, which is equivalent to a "small treasury". In addition to being used as a bank card, medical insurance reimbursement and pension are all paid into this account. If you haven’t activated it yet, you may miss a lot of benefits.

　　The "small vault" in the social security card is not activated? You may encounter all kinds of inconveniences.

　　exampleMs. Peng’s colleague died of illness. Recently, she accompanied her colleague’s wife, Ms. Yang, to handle the cancellation procedures of social security cards. When I went to the bank for capital settlement, I was told that the money in my colleague’s personal medical insurance account in the social security card could be withdrawn, but the sporadic reimbursement for medical treatment in different places of more than 100,000 yuan in the financial account could not be withdrawn.The reason is that the financial account is not activated. In the end, the money in the financial account can only be disposed of by inheritance. Usually, I just use the social security card as a medical insurance card, thinking that it will be used only when I see a doctor. I didn’t expect that there is a financial account on it, and it needs to be activated to withdraw cash and transfer money.

　　What is the financial account of social security card?

　　Ministry of Human Resources and Social Security recently released the "internet plus People’s Society" 2020 Action Plan.It is clear that the social security card will load the payment function and support all kinds of payment and treatment enjoyment applications.For this function, many people are still not familiar with it.

　　In fact, the social security card loaded with financial functions, as the cardholder enjoys the rights and interests of human resources and social security services in electronic certificate, hasIdentity certificate, information record, self-service inquiry and business handling.At the same time, the basic functions of social security card can be used asThe use of bank cards provides financial services such as cash deposit, withdrawal, transfer and consumption., which can realize the cooperation between human resources and social security business and financial payment business. At the same time, social security benefits such as reimbursement of medical expenses and pensions are all collected through this account in principle.However, this financial account must be activated at the bank counter to withdraw cash, transfer money and spend money..

　　Help you understand this social security card "small vault"

　　Can medical insurance reimbursement be sent to the designated bank account?

　　In principle, sporadic medical expenses reimbursed by the insured shall be allocated to the social medical insurance voucher account of the insured, that is, the financial account of the social security card. The disbursement account can be changed under special circumstances.

　　Under what circumstances can I change the disbursement account?

　　Situation 1: If the insured person has terminated the insurance and the social medical insurance voucher account has been cancelled, the insured person (or his guardian or legal heir) may provide a written application signed on the spot to transfer the medical expenses to other bank accounts opened by the insured person himself.

　　Situation 2If the insured unit advances medical expenses for the insured person, the insured unit shall issue an application for appropriation with the official seal and a statement signed by the insured person (notarized or hand-printed on site), and the medical expenses may be allocated to the unit account.

　　Can the service bank of the financial account be changed?

　　At present, the competent departments of social security cards in various provinces and cities are studying and formulating relevant work plans and business policies, and there will be detailed guidelines after they are officially introduced.

　　According to reports, when applying for a social security card,Applicants for employees of non-insured enterprises can choose their own financial service banks. However, if the applicant is an employee of the insured enterprise, the original medical insurance service bank can only be selected as the financial service bank when applying for the social security card..

　　Is it troublesome to activate the financial account?

　　The procedures for activating financial accounts are not cumbersome. Citizens only need to bring their social security card and the original valid ID card to the bank shown on the social security card to go through the activation procedures. When activating, they need to provide their own or contact person’s mobile phone number and set the transaction password and inquiry password of the financial account.

　　The relevant person in charge said that it is more convenient and safe to send social security benefits to the social security card financial account. The insured person’s information is combined with the financial account information, so that the insured person does not need to fill in the bank account information when doing things by reading the card; It can also effectively solve the problems of "impersonation" and the inability to find someone in the change of financial accounts, and improve the government’s supervision over the issuance of funds.

　　What’s the use of social security cards? How to check the money inside?

　　Social security card is the electronic certificate for cardholders to enjoy social security and public employment services. It has the functions of electronic certificate, information recording, self-inquiry, medical settlement, payment and treatment collection, and financial payment.The main application fields are: social insurance participation payment, payment and collection of benefits, medical insurance settlement, personal social service information, personal social security rights record sheet and so on..

　　Medical insurance personal accounts and bank financial accounts are set up in general social security cards, and the balance of medical insurance personal accounts can be inquired at the local social security handling window, the self-service terminal of the human society department, the service bank front desk or the bank self-service terminal; Bank financial account balance inquiry channels are consistent with those of ordinary bank card accounts.