Kunpeng Project
What should I do if the balance of my medical insurance card is not used up? Will it expire? Can I take it out?
In the past 20 years, the level of economic development in our country has been increasing, but at the same time, more and more people are suffering from various diseases due to various reasons such as lifestyle habits.
As a result, the frequency and volume of use of health insurance cards has also increased significantly.
Some people who are not familiar with the health insurance card system have also raised the issue of how difficult it is for them to spend all the money on their health insurance cards when they visit a doctor.
So, what happens to the remaining funds on your health insurance card?
Nowadays, many people are worried about the money in the health insurance card, mainly because they are afraid that the money will be spent, but this idea is wrong.
*There has never been a time limit or age limit for the use of health card funds.
In other words, the amount on the health insurance card is the amount on the card.
Just like a bank card, it doesn't disappear inexplicably, and there is no health insurance card that expires if you don't use it for a long time.
In fact, many people don't know that the money on the health insurance card comes from.
According to common sense, there are four main funds in the medical insurance card, the first of which is individual payment.
Everyone who enrolls in health insurance receives a portion of their salary each month as a health insurance premium, which is transferred directly to the personal account of the health insurance card.
This amount of money can account for around 20% to 40% of the total amount of the Medicare card and is considered one of the most important**.
However, many people find that the amount they pay does not match the total amount on their health care card, mainly because there are four other ways to increase the amount on their health care card.
The second point is that the unit pays for it.
In fact, for many regular employees of enterprises and institutions that have signed contracts, the employer will help them pay part of the premiums of the medical insurance card.
The money will be transferred directly to the pooled account of the medical insurance card and cannot be withdrawn at will.
However, when you are sick and hospitalized, you can take advantage of the premiums that these units help pay to cover medical expenses.
To a certain extent, the amount of medical insurance card paid by the unit is also an important part of China's medical insurance and social security system.
The third part of the premium of the health insurance card is the state subsidy.
After all, the Medicare card exists to allow everyone in the country to see a doctor when they are sick.
That's why, every year, some money is set aside to subsidize the cost of the National Health Card.
These ** subsidy funds will also be directly credited to the personal account of the medical insurance card, and we can see these funds in the amount of the personal account.
Finally, the funds for the health insurance card** can be social donations.
Nowadays, many people fall ill due to serious illnesses, so they can't find enough money to pay for their medical bills, which is why many fundraising organizations, including Water Drop, have sprung up.
In short, it is to help people in need to raise funds from society.
Sometimes, the money raised from these fundraisers is not directly used for those in need, but is credited to their Medicare card.
What if a patient feels that there is no hope of ** after raising enough funds, so he does not want to be treated, but leaves all the reserved medical expenses for his relatives? It's not impossible for this to happen.
Instead, all of this money is deposited directly into the patient's Medicare card and can only be used for medical treatment.
This guarantees that the funds raised by the community will not be used for other purposes.
As a result, almost all the money on the health insurance card is paid through these four channels.
The money will also be supervised by the relevant departments and will not be lost casually, so you don't have to worry too much.
While the funds on the Medicare card belong entirely to the cardholder and don't have an expiration date, that doesn't mean the money can be spent casually.
After all, the medical card system exists to pay medical bills to specific healthcare providers.
The law clearly states that the money can only be used for hospital visits, medical treatment, or the purchase of medicines.
Although there are many people in the market who say that they can help some people in need to withdraw money from their health insurance cards, this is illegal in itself.
After all, the money on the medical insurance card is not only for individual payments, but also for unit payments, social contributions, and social donations.
Strictly speaking, the money does not belong to anyone, they are of a public interest nature**.
If everyone can withdraw money from the medical insurance card, wouldn't it mean that the unit, the state and social fundraisers will issue a salary check to these people?
However, it is not entirely impossible to withdraw money from your health insurance card.
If you want to receive Medicare benefits and you have special needs, you must apply to the relevant authorities, but this approval process is very complicated.
Applicants must specify why they want to use the funds in their health insurance card, and there are strict restrictions on how much money can be used and what can be used, which is not a good approval process.
Once approved, the money will be deposited into a designated personal account.
The strict restrictions on the use of medical card funds by the state are also to ensure the long-term operation of the medical card system.
It is not impossible to prevent some people with ulterior motives from turning the medical insurance card system into a tool for their own enrichment. In fact, there are many people who have no moral bottom line when making money.
To this day, there are still people in society who help the needy people use medical insurance cards through various illegal means, isn't this equivalent to digging into the corners of the country?
But the number of walls in the country is limited, and if everyone digs it, it will collapse sooner or later.
So, if the walls of the country are crumbling and the state treasury simply cannot subsidize the health care system, what will happen to those who really need to see a doctor?
Therefore, you cannot touch the money in your health insurance card, nor can you tamper with it.
All citizens have an obligation to ensure the orderly operation of the health card system, after all, the existence of the health card system is a good thing for all Chinese citizens.
However, after the implementation of the medical card system, some problems did arise.
For example, at first, the health insurance card could only be used by oneself, but now the state has a new rule that the health insurance card can be shared if the family is sick.
The State also does this in order to ensure the objective needs of certain families.
After all, not everyone can have a stable job, have a health insurance card paid for by their employer, and not all citizens are covered by health insurance.
In addition, people's jobs and incomes are different, which can also lead to different savings amounts on health insurance cards.
Many people sometimes can't meet their daily consumption needs with money in their cards, but there is a lot of money in their family health insurance cards that can't be spent, isn't this a waste of resources?
As a result, the state** has introduced new rules that allow family members to legally transfer the remaining funds from another member's health insurance card to their own name for emergency payments in the event that a family member needs additional expenses or an emergency**.
It can be seen that China's medical card system is in the process of improving, and the country's policy on the medical card system is also a flexible policy.
In fact, ours is a good for the country and the people.
They constantly monitor the implementation and reliability of existing policies in order to make the necessary adjustments to ensure that the legitimate interests of all citizens are maximized, which many fail to do.
In addition, there are many other uses for the money on the health insurance card, such as using health insurance to go to certain public hospitals for medical check-ups.
Nowadays, there are many people who do not have the habit of medical examinations at all, for the simple reason that some of the more thorough medical examinations are more expensive, and many people cannot afford to spend so much money.
As a result, diseases that could have been screened and screened earlier were not treated for a long time.
However, if the money on the health insurance card is used for medical checkups, I think they will be able to accept it.
After all, there is a lot of money in the health insurance card, and some people don't seem to pay for it, so it is completely possible to use this money for a medical examination.
In addition, using the money on the medical insurance card for a medical examination is also a good way to use the money on the card wisely.
That's why the existence of the health insurance card system is a great thing for the Chinese, because it means that most Chinese can't afford to see a doctor when they're sick.
But it is unrealistic to expect one health insurance card to solve all problems.
The medical insurance card is just to provide the Chinese people with a minimum of medical protection, so that they can maintain their health to the greatest extent, be prepared for serious illnesses, or more importantly, buy some commercial insurance!
Now, all of these commercial insurances can be paid on a monthly basis, up to a dozen yuan per month.
However, if an accident does happen, you can get tens or millions of dollars in medical premiums at once, which in itself is very lucrative.
What's wrong with spending a few pounds on some psychological safety?
Therefore, you should not put too much emphasis on the funds on your health insurance card.
The medical insurance card itself is a perfect medical security system established by the state for our citizens, and it is a welfare for the people, so we can't cut corners with the state.
On the contrary, they should actively participate in insurance and pay contributions, which is also responsible for their own health, and also take the initiative to assume social obligations and social responsibilities that they must bear as citizens.