Can I get a medical insurance certificate from Beijing Rural Commercial Bank?

Yes. "The Beijing Municipal Human Resources and Social Security Bureau has made it clear that no matter how the management of personal medical insurance accounts is adjusted, the funds that have been put into the medical insurance booklet belong to the individual insured. For this fund, the insured person can go to Beijing at any time with the medical insurance card You can withdraw it freely from the bank or Beijing Rural Commercial Bank. ”

The difference between Beijing Medical Insurance Card and medical deposit discount

1. Medical deposit discount

Medical insurance deposit represents the balance of medical insurance.

The "Announcement" issued by the Beijing Municipal Human Resources and Social Security Bureau reminds citizens that the funds injected into the medical insurance certificate belong to the individual. The funds injected into the personal medical insurance certificate can be withdrawn at any time by the insured person with the medical insurance certificate. Free withdrawals from the Bank of Beijing (or Beijing Rural Commercial Bank).

Beijing’s employee basic medical insurance consists of two parts: personal accounts and overall funds. A certain proportion of the medical insurance premiums paid by the employer and the individual will be deducted and included in the personal account. Individual employees pay 2% of the average monthly salary of the previous year, and the proportion of unit contributions varies according to the age group of the employees. Taking employees under 35 years old as an example, the unit payment is deducted from 0.8% of their monthly salary base. In other words, for employees under the age of 35, 2.8% of their salary goes into their personal accounts. The money from the personal account will be remitted to the insured person's medical savings account on a monthly basis.

According to the provisions of the medical insurance policy, the money in the personal account is used for insured persons to see doctors and buy medicines. Most areas across the country stipulate that money in personal accounts can only be used for personal medical treatment or hospitalization, and cannot be withdrawn freely. However, the situation in Beijing is different. Insured persons can withdraw the money in their medical bills at any time.

2. Social Security Card

A social security card is a card, and you use it when seeing a doctor. The medical insurance card is a name given by ordinary scammers, but there is no actual name for the medical insurance card.

Related events

The Beijing website and the rumor refuting platform published the "2013 Spam SMS Report" and ranked the fraudulent SMS messages, among which remittance fraud ranked first; Fraud by pretending to be medical and social security ranked second; followed by fraud by pretending to be a courier, pretending to be a bank, winning a prize from a popular TV show, defrauding someone by pretending to be a relative, and defrauding someone by pretending to be a landlord.

The main tricks of social security fraud include: abnormal social security cards, problems with social security reimbursement, discounts on social security fees, cards being swiped in other places, repeated insurance, etc. For many citizens, the above scams are easy to detect through media propaganda. However, after the "news" that Beijing's medical insurance balance cannot be withdrawn, the number of frauds related to the withdrawal of medical insurance balance has increased.

Legal Basis

According to the Beijing Municipal Medical Security Bureau's "Notice on Adjusting the Relevant Policies of Basic Medical Insurance for Urban Employees in this City"

2. Adjust the starting point of the overall pooling fund Payment standard

(1) The cumulative minimum payment standard for hospitalization in the city in the same unified year is 10% of the average salary of employees on duty in the city in the previous year.

(2) The minimum payment standard for inpatient (including specific outpatient services) treatment in the city is: 800 yuan for third-level medical institutions, 300 yuan for second-level medical institutions, first-level medical institutions, community health service institutions and 100 yuan for a family hospital bed; if the insured person suffers from the same disease and is continuously transferred to another hospital for treatment within one year, only the one-time minimum payment standard of the highest-level hospital will be calculated.

3. Increase the maximum payment limit and payment ratio of the overall pool fund

(1) The maximum payment limit of the pool fund in the same pool year is adjusted to 80,000 yuan.

(2) For hospitalization in designated medical institutions at different levels in the city, medical expenses above the minimum payment standard and below the maximum payment limit shall be coordinated.