注意！你的社保卡里藏着一个小金库,还不知道的人就亏大了!
<section label="Powered by 135editor.com" style="max-width: 100%; line-height: 25.6px; box-sizing: border-box !important;"><section style="max-width: 100%; line-height: 28.4444px; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section label="Powered by 135editor.com" style="max-width: 100%; line-height: 25.6px; box-sizing: border-box !important;"><section style="max-width: 100%; line-height: 28.4444px; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="margin-top: 0.5em; margin-bottom: 0.5em; max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; transform: rotate(45deg); box-sizing: border-box !important;"><section style="margin: 0.3em auto; max-width: 100%; width: 2.5em; height: 2.5em; border-top-width: 0.1em; border-top-style: solid; border-top-color: rgb(204, 204, 204); border-left-width: 0.1em; border-left-style: solid; border-left-color: rgb(204, 204, 204); box-sizing: border-box !important;"></section></section><section style="margin-top: -2.9em; max-width: 100%; box-sizing: border-box !important;"><section style="margin: auto auto -1em; max-width: 100%; width: 3.5em; height: 0.5em; vertical-align: middle; display: inline-block; box-sizing: border-box !important; background-color: rgb(254, 255, 255);"></section></section><section style="margin-top: 1.3em; max-width: 100%; display: inline-block; box-sizing: border-box !important;"><section style="margin-top: -1.5em; padding: 1em; max-width: 100%; border-radius: 0.5em; border: 0.1em solid rgb(204, 204, 204); width: 670px; box-sizing: border-box !important; height: auto !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; color: rgb(108, 123, 139); line-height: 1.9; font-size: 15px; box-sizing: border-box !important;"><p><strong><span style="font-size: 16px; color: rgb(0, 128, 255);">编者按：</span></strong><span style="font-size: 16px; color: rgb(0, 0, 0);">很多人都以为社保卡只能刷医保，但其实社保卡里还有一个金融账户，相当于一个“小金库”。除了可以当银行卡使用，医保报销、养老金都是打到这个账户里，要是你还没激活，可能会错过不少福利。</span></p></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section><p><br></p><p style="max-width: 100%; min-height: 1em; text-align: center; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-align: center; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><section data-role="outer" label="Powered by 135editor.com" style="font-family:微软雅黑;font-size:16px;"><section class="_135editor" data-tools="135编辑器" data-id="87845" style=" border-width: 0px; border-style: none; border-color: initial; box-sizing: border-box; " data-color="rgb(30, 155, 232)" data-custom="rgb(30, 155, 232)"><section style="width: 20em; margin: 10px auto; text-align: center; box-sizing: border-box;" data-width="20em"><section style="padding: 6px; background-color: rgb(30, 155, 232); color: rgb(255, 255, 255);transform: rotate(360deg);-webkit-transform: rotate(360deg);-moz-transform: rotate(360deg);-ms-transform: rotate(360deg);-o-transform: rotate(360deg);"><section style="border-width: 1px; border-style: dashed; border-color: white; padding: 10px; box-sizing: border-box;"><strong><span class="135brush" data-brushtype="text"><span style="white-space: pre-wrap;">社保卡里的“小金库”没激活？ 你可能遇到各种“不方便”</span></span></strong><span class="135brush" data-brushtype="text"><span style="white-space: pre-wrap;"></span><span style="white-space: pre-wrap;"></span></span></section></section><section style="background-image: url(" http:="" mmbiz.qpic.cn="" mmbiz="" z9433ragtdd362svibwfnt35n8r9hs3elmshehlto1rtrxaafdjjbwp30hsn7ps1jguc6gkigdl7icl3nbeocfrq="" 0?wx_fmt="png");" background-repeat:="" no-repeat;="" background-size:="" 100%;="" width:="" 20em;="" height:="" 3em;="" margin-top:="" -1.8em;="" box-sizing:="" border-box;"="" data-width="20em"><br></section></section></section></section><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; box-sizing: border-box !important;"><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;">这就是活生生的例子。</p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br></p><p>彭女士的同事病故了，近日她陪同同事妻子杨女士办理社保卡的销户手续。到银行进行资金清算的时候被告知，同事社保卡中医保个人账户的钱能够取出。</p><p><br></p><p><strong><span style="color: rgb(0, 128, 255);">但金融账户中10多万元的异地就医零星报销款不能取出，原因是金融账户没有激活。</span></strong>最终金融账户的钱要么只能按遗产方式处理。</p><p><br></p><p>平常只是把社保卡当成了医保卡使用，以为看病才会用到，没想到上面还有金融账户，而且需要激活才能提现、转账。</p></section><section data-role="outer" label="Powered by 135editor.com"><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="text-align: center; max-width: 100%; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><section data-role="outer" label="Powered by 135editor.com" style="font-family:微软雅黑;font-size:16px;"><section class="_135editor" data-tools="135编辑器" data-id="87845" style=" border-width: 0px; border-style: none; border-color: initial; box-sizing: border-box; " data-color="rgb(30, 155, 232)" data-custom="rgb(30, 155, 232)"><section style="width: 20em; margin: 10px auto; text-align: center; box-sizing: border-box;" data-width="20em"><section style="padding: 6px; background-color: rgb(30, 155, 232); color: rgb(255, 255, 255);transform: rotate(360deg);-webkit-transform: rotate(360deg);-moz-transform: rotate(360deg);-ms-transform: rotate(360deg);-o-transform: rotate(360deg);"><section style="border-width: 1px; border-style: dashed; border-color: white; padding: 10px; box-sizing: border-box;"><strong><span class="135brush" data-brushtype="text" style="white-space: pre-wrap;">什么是社保卡的金融账户？</span></strong></section></section><section style="background-image: url(" http:="" mmbiz.qpic.cn="" mmbiz="" z9433ragtdd362svibwfnt35n8r9hs3elmshehlto1rtrxaafdjjbwp30hsn7ps1jguc6gkigdl7icl3nbeocfrq="" 0?wx_fmt="png");" background-repeat:="" no-repeat;="" background-size:="" 100%;="" width:="" 20em;="" height:="" 3em;="" margin-top:="" -1.8em;="" box-sizing:="" border-box;"="" data-width="20em"></section></section></section></section><section data-role="outer" label="Powered by 135editor.com"><section data-tools="135编辑器" data-id="85327" data-color="rgb(171, 25, 66)"><section data-width="90%"><section><section data-width="75%"><section data-width="100%"><section><p>人力资源和社会保障部近日发布“互联网+人社”2020行动计划，明确社保卡将加载支付功能，支持各类缴费和待遇享受应用，对于该功能，仍有不少人不熟悉。<br></p></section></section></section></section></section></section></section><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p>实际上，加载金融功能后的社会保障卡，作为持卡人享有人力资源和社会保障服务权益的电子凭证，具有<strong><span style="color: rgb(0, 128, 255);">身份凭证、信息记录、自助查询、业务办理</span></strong>等社会保障卡基本功能的同时，可作为<span style="color: rgb(0, 128, 255);"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;">银行卡使用，具有现金存取、转账、消费</span></strong></span>等金融服务。</p><p><br></p><p>能够实现人力资源和社会保障业务与金融支付业务的协同办理。同时，医疗费用报销返还、养老金等社保待遇原则上均通过这个账户领取，<span style="color: rgb(0, 128, 255);"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;">但这个金融账户必须到银行柜台激活才能提现、转账、消费。</span></strong></span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="text-align: center; max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><section data-role="outer" label="Powered by 135editor.com" style="font-family:微软雅黑;font-size:16px;"><section class="_135editor" data-tools="135编辑器" data-id="87845" style=" border-width: 0px; border-style: none; border-color: initial; box-sizing: border-box; " data-color="rgb(30, 155, 232)" data-custom="rgb(30, 155, 232)"><section style="width: 20em; margin: 10px auto; text-align: center; box-sizing: border-box;" data-width="20em"><section style="padding: 6px; background-color: rgb(30, 155, 232); color: rgb(255, 255, 255);transform: rotate(360deg);-webkit-transform: rotate(360deg);-moz-transform: rotate(360deg);-ms-transform: rotate(360deg);-o-transform: rotate(360deg);"><section style="border-width: 1px; border-style: dashed; border-color: white; padding: 10px; box-sizing: border-box;"><strong><span class="135brush" data-brushtype="text" style="white-space: pre-wrap;">帮你搞懂这个社保卡“小金库”</span></strong></section></section><section style="background-image: url(" http:="" mmbiz.qpic.cn="" mmbiz="" z9433ragtdd362svibwfnt35n8r9hs3elmshehlto1rtrxaafdjjbwp30hsn7ps1jguc6gkigdl7icl3nbeocfrq="" 0?wx_fmt="png");" background-repeat:="" no-repeat;="" background-size:="" 100%;="" width:="" 20em;="" height:="" 3em;="" margin-top:="" -1.8em;="" box-sizing:="" border-box;"="" data-width="20em"></section></section></section><p><span style="color: rgb(0, 128, 255);"><strong>1、医保报销能发到指定银行账户吗？</strong></span></p><p><strong><br></strong></p></section><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;">按规定参保人报销的零星医疗费原则上应拨付至参保人社会医疗保险凭证账户，即社保卡的金融账户。特殊情况下可更改拨付账户。</p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><section data-tools="135编辑器" data-id="85640" style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><span style="color: rgb(0, 128, 255);"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;">2、什么情况下可更改拨付账户？</span></strong></span></section></section></section></section><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><strong>情况1：</strong>参保人已终止参保且社会医疗保险凭证账户销户的，可由参保人（或其监护人或法定继承人）提供现场签名确认的书面申请，将医疗费拨付到参保人本人开设的其它银行账户。</p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><strong>情况2：</strong>参保单位为参保人垫付医疗费的，由参保单位出具加盖公章的拨付申请以及参保人本人签名确认的声明书（进行公证或现场加摁手印），可将医疗费拨付至单位账户。</p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><section data-tools="135编辑器" data-id="85640" style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section><strong><span style="color: rgb(0, 128, 255);">3、金融账户的服务银行能否更改？</span></strong></section></section></section></section><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;">目前各省、市社保卡主管部门正在研究制定有关工作方案和业务政策，待正式出台后会有详细指引。</p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;">据介绍，在申领社保卡时，<span style="color: rgb(0, 128, 255);"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;">非参保企业职工的申领人是可以自主选择金融服务银行的</span></strong>。</span>但如申领人为参保企业职工，申领社保卡时只能选择原医保服务银行为金融服务银行。</p><p style="max-width: 100%; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="text-align: center; max-width: 100%; min-height: 1em; line-height: 1.75em; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><section data-tools="135编辑器" data-id="85640" style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><section style="max-width: 100%; box-sizing: border-box !important;"><span style="color: rgb(0, 128, 255);"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;">4、<span style="max-width: 100%; line-height: 1.6;">激活金融账户麻烦吗？</span></span></strong></span></section></section></section></section><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;">激活金融账户手续并不繁琐。<span style="color: rgb(0, 128, 255);"><strong>市民只需带着社保卡和有效身份证件原件，到社保卡面所示银行办理激活手续即可，激活时需要提供本人或联系人的手机号码，同时设置金融账户的交易密码和查询密码。</strong></span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;">相关负责人表示，社保待遇发到社保卡金融账户，更便捷、安全。参保人信息与金融账户信息相结合，可以通过读卡让参保人办事时无须填报银行账户信息；也可以有效解决“冒领”、金融账户变动找不到人等问题，提高政府对资金发放的监管。</p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><section data-role="outer" label="Powered by 135editor.com" style="font-family:微软雅黑;font-size:16px;"><section class="_135editor" data-tools="135编辑器" data-id="87845" style=" border-width: 0px; border-style: none; border-color: initial; box-sizing: border-box; " data-color="rgb(30, 155, 232)" data-custom="rgb(30, 155, 232)"><section style="width: 20em; margin: 10px auto; text-align: center; box-sizing: border-box;" data-width="20em"><section style="padding: 6px; background-color: rgb(30, 155, 232); color: rgb(255, 255, 255);transform: rotate(360deg);-webkit-transform: rotate(360deg);-moz-transform: rotate(360deg);-ms-transform: rotate(360deg);-o-transform: rotate(360deg);"><section style="border-width: 1px; border-style: dashed; border-color: white; padding: 10px; box-sizing: border-box;"><strong><span class="135brush" data-brushtype="text" style="white-space: pre-wrap;">社保卡还有什么用？里面的钱怎么查？</span></strong></section></section><section style="background-image: url(" http:="" mmbiz.qpic.cn="" mmbiz="" z9433ragtdd362svibwfnt35n8r9hs3elmshehlto1rtrxaafdjjbwp30hsn7ps1jguc6gkigdl7icl3nbeocfrq="" 0?wx_fmt="png");" background-repeat:="" no-repeat;="" background-size:="" 100%;="" width:="" 20em;="" height:="" 3em;="" margin-top:="" -1.8em;="" box-sizing:="" border-box;"="" data-width="20em"></section></section></section></section><section data-role="outer" label="Powered by 135editor.com"><section data-tools="135编辑器" data-id="85327" data-color="rgb(171, 25, 66)"><section data-width="90%"><section><section data-width="75%"><section data-width="100%"><section><p><br></p></section></section></section></section></section></section></section><p style="max-width: 100%; min-height: 1em; text-align: center; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;">社会保障卡是持卡人享有社会保障和公共就业服务的电子凭证，具有电子凭证、信息记录、自助查询、就医结算、缴费和待遇领取、金融支付等功能。主要的应用领域有：<span style="color: rgb(0, 128, 255);"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;">社会保险参保缴费，待遇发放和领取，医疗保险就医结算，个人人社业务信息、个人社保权益记录单等的查询和打印等。</span></strong></span><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;">一般社保卡内设立医保个人账户及银行金融账户，医保个人账户余额的查询可到当地社保经办窗口、人社部门自助服务终端、服务银行前台或银行自助服务终端查询；银行金融账户余额查询与普通银行卡账户资金查询渠道一致。</p><p style="max-width: 100%; min-height: 1em; text-align: center; box-sizing: border-box !important;"><br></p><p style="max-width: 100%; min-height: 1em; text-align: right; box-sizing: border-box !important;"><strong>来源：央视财经</strong></p><p style="text-align: right;"><br></p></section>
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