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　　社會(huì)保障卡又叫社?？?，群眾又叫一卡通、醫(yī)?？?、退休卡、保障卡等，由我縣人力資源社會(huì)保障局發(fā)放。那么社保卡的政策你了解多少呢?以下就是學(xué)習(xí)啦小編給你做的整理，希望對(duì)你有用。</p><p> 　　<strong>社保卡政策問(wèn)答</strong>：</p><p> 　　一、什么是社會(huì)保障卡?</p><p> 　　答：社會(huì)保障卡是面向社會(huì)公眾發(fā)行，應(yīng)用于社會(huì)保障各業(yè)務(wù)領(lǐng)域的集成電路卡，是持卡人辦理人力資源和社會(huì)保障事務(wù)的電子憑證。社?？ò磭?guó)家統(tǒng)一標(biāo)準(zhǔn)設(shè)計(jì)制作，已通過(guò)國(guó)家人力資源和社會(huì)保障部、中國(guó)人民銀行審批，具有信息記錄、業(yè)務(wù)經(jīng)辦、信息查詢等功能，并為規(guī)范和方便各類社會(huì)保險(xiǎn)待遇的發(fā)放，加載了金融借記功能。</p><p> 　　二、社?？òl(fā)行對(duì)象有哪些?</p><p> 　　答：目前，我市社?？òl(fā)行對(duì)象主要是城鎮(zhèn)職工基本醫(yī)療保險(xiǎn)和城鄉(xiāng)居民合作醫(yī)療保障參合人員。</p><p> 　　三、社?？ㄓ心男┕δ?</p><p> 　　答：社?？ㄓ?方面的功能：</p><p> 　　一是信息存儲(chǔ)：記錄社會(huì)保險(xiǎn)參保人員的個(gè)人基本信息(姓名和身份證號(hào)等)、人力資源和社會(huì)保障相關(guān)業(yè)務(wù)信息;</p><p> 　　二是電子憑證：持卡人參加社會(huì)保險(xiǎn)的證明，并可憑社保卡辦理人力資源和社會(huì)保障相關(guān)業(yè)務(wù);</p><p> 　　三是信息查詢：持卡人憑社?？ㄍㄟ^(guò)人力資源和社會(huì)保障專用終端設(shè)備，查詢個(gè)人權(quán)益相關(guān)信息，進(jìn)行社?？▋?nèi)數(shù)據(jù)更新;</p><p> 　　四是金融功能：具備普通金融借記卡使用功能，技術(shù)上支持通過(guò)社?？ń鹑谫~戶支付各類社保待遇資金以及個(gè)人參保繳費(fèi)。</p><p> 　　目前，社?？ㄖ饕卺t(yī)療保險(xiǎn)業(yè)務(wù)中先行應(yīng)用，作為個(gè)人享受各類醫(yī)保待遇的憑證，多種醫(yī)保待遇資金已通過(guò)社?？ǖ慕鹑谫~戶支付。</p><p> 　　四、如何申領(lǐng)社?？?</p><p> 　　答：全市范圍內(nèi)各類用人單位(包括各類企業(yè)、機(jī)關(guān)事業(yè)單位、社會(huì)團(tuán)體、民辦非企業(yè)單位、個(gè)體經(jīng)濟(jì)組織)可由單位經(jīng)辦人員持身份證原件復(fù)印件和單位介紹信到慈溪市社?？ㄖ行幕蚓徒逆?zhèn)(街道)勞動(dòng)保障管理服務(wù)所辦理;</p><p> 　　社會(huì)化管理的退休人員及以個(gè)人身份參加社會(huì)保險(xiǎn)的人員隨帶身份證原件復(fù)印件及一寸彩色證件照一張，可以在全大市范圍內(nèi)就近的鎮(zhèn)(街道)勞動(dòng)保障管理服務(wù)所辦理社保卡個(gè)人信息確認(rèn)和申領(lǐng)手續(xù);</p><p> 　　城鄉(xiāng)居民合作醫(yī)療保障參合人員可到所在地村(社區(qū)、居委)，攜帶身份證原件復(fù)印件(如未滿18周歲未成年人辦理，由監(jiān)護(hù)人持參保人戶口本、一寸彩色證件照1張以及監(jiān)護(hù)人身份證原件)辦理社保卡個(gè)人信息確認(rèn)和申領(lǐng)手續(xù)。</p><p> 　　五、為什么要在社保卡中加載金融功能?</p><p> 　　答：2011年5月，國(guó)家人力資源和社會(huì)保障部印發(fā)了《關(guān)于進(jìn)一步加強(qiáng)社會(huì)保險(xiǎn)基金安全管理工作的通知》，要求改變社會(huì)保險(xiǎn)基金收支結(jié)算方式，減少直至取消業(yè)務(wù)辦理中的現(xiàn)金結(jié)算，區(qū)縣以上經(jīng)辦機(jī)構(gòu)在支付和報(bào)銷(xiāo)各項(xiàng)社會(huì)保險(xiǎn)待遇時(shí)，要采取通過(guò)銀行卡或社保卡支付的形式。2011年7月，人力社保部與中國(guó)人民銀行又聯(lián)合印發(fā)了《關(guān)于社保卡加載金融功能的通知》，提出社?？虞d金融功能，有利于參保人員便捷享受社會(huì)保險(xiǎn)待遇和金融服務(wù)，要求尚未發(fā)行社?？ǖ牡貐^(qū)，在發(fā)卡初始即加載金融功能。</p><p> 　　六、社?？ㄖ薪鹑谫~戶對(duì)應(yīng)銀行應(yīng)該由個(gè)人自由選擇嗎?</p><p> 　　答：參保人員申領(lǐng)社?？ǖ?，應(yīng)在《寧波市社?？▊€(gè)人信息確認(rèn)及申領(lǐng)表》中自主選擇社?？ń鹑谫~戶對(duì)應(yīng)銀行。任何機(jī)構(gòu)或個(gè)人都不得替代或人為阻礙參保人員自由選擇銀行。</p><p> 　　七、目前社?？ㄖ械慕鹑谫~戶用于支付哪些醫(yī)保待遇?</p><p> 　　答：具體應(yīng)用如下：</p><p> 　　1.職工醫(yī)保參保人員在辦理醫(yī)療費(fèi)零星報(bào)銷(xiāo)后，醫(yī)?；鹬Ц恫糠值馁Y金優(yōu)先轉(zhuǎn)入?yún)⒈Ｈ藛T本人的社保卡金融賬戶;</p><p> 　　2.職工醫(yī)保歷年賬戶資金可用于支付參保人員本人上一醫(yī)保年度參加職工醫(yī)保個(gè)人按月繳納的2%部分，這部分資金將在每年5月份轉(zhuǎn)入職工本人的社保卡金融賬戶;</p><p> 　　3.參保人員符合城鎮(zhèn)職工醫(yī)保綜合減負(fù)待遇享受要求的，綜合減負(fù)補(bǔ)助的資金將在每年7月轉(zhuǎn)入?yún)⒈Ｈ藛T本人的社?？ń鹑谫~戶。</p><p> 　　八、社?？ㄅc原醫(yī)保卡有何區(qū)別?</p><p> 　　答：一是就醫(yī)更方便。持有社保卡的參保人員可在寧波大市醫(yī)保定點(diǎn)機(jī)構(gòu)直接刷卡就醫(yī)購(gòu)藥;企業(yè)職工基本醫(yī)療保險(xiǎn)參保人員按規(guī)定辦理轉(zhuǎn)外地就醫(yī)或異地居住定點(diǎn)就醫(yī)手續(xù)后，可持社?？ㄔ谡憬?nèi)異地就醫(yī)結(jié)算定點(diǎn)醫(yī)療機(jī)構(gòu)直接刷卡就醫(yī)結(jié)算(特殊病種除外);</p><p> 　　二是性能更穩(wěn)定。社?？ㄓ捎诓捎眉呻娐沸酒灰讚p壞，且更加安全;</p><p> 　　三是用途更廣泛。社?？◤V泛應(yīng)用于人力社保各項(xiàng)業(yè)務(wù)，并可作為金融借記卡使用。</p><p> 　　九、社?？ㄖ薪鹑谫~戶怎樣激活?</p><p> 　　答：參保人員領(lǐng)到社保卡后，需要激活社保卡中金融賬戶，由持卡人本人帶上身份證原件和社?？?，到社保卡金融賬戶對(duì)應(yīng)銀行的就近網(wǎng)點(diǎn)柜面，按照銀行的規(guī)定辦理金融賬戶激活手續(xù)，并設(shè)置金融賬戶密碼。由于各類醫(yī)保待遇資金通過(guò)社保卡中的金融賬戶支付，建議持卡人盡快激活社保卡中的金融賬戶。</p><p> 　　十、社?？ń鹑谫~戶有哪些優(yōu)惠政策?</p><p> 　　答：社保卡金融賬戶對(duì)應(yīng)的合作銀行不得收取銀行卡年費(fèi)、小額賬戶管理費(fèi)、短信服務(wù)費(fèi)。在持社?？ㄞk理人力資源和社會(huì)保障相關(guān)業(yè)務(wù)時(shí)，合作銀行免收同行異地(浙江省內(nèi))存取款手續(xù)費(fèi)以及合作銀行間的跨行服務(wù)費(fèi)用。</p><p> 　　十一、社?？虞d了金融功能，如果醫(yī)保賬戶里有錢(qián)是否可以取出?</p><p> 　　答：社?？ㄖ械慕鹑谫~戶與職工醫(yī)保賬戶是完全不同的兩個(gè)賬戶，職工醫(yī)保賬戶資金不能通過(guò)金融賬戶直接提取。</p><p> 　　十二、有了社?？ǎ瑩Q個(gè)地方就業(yè)，還需重新?lián)Q卡嗎?</p><p> 　　答：社保卡的發(fā)行，使得廣大職工可以在大市范圍內(nèi)“拿著一張卡參保，拿著一張卡就醫(yī)”。隨著社保卡的廣泛發(fā)行，參保人員在寧波大市范圍內(nèi)社會(huì)保險(xiǎn)關(guān)系流動(dòng)轉(zhuǎn)移使用同一張社?？?，不再需要“換個(gè)地方換張卡”，只要隨帶本人身份證原件和社?？ǖ骄徒纳绫？ń?jīng)辦機(jī)構(gòu)辦理統(tǒng)籌區(qū)變更手續(xù)，即可繼續(xù)使用原參保地發(fā)行的社?？?。社?？ǖ膾焓?、損壞等日常事務(wù)在寧波大市范圍內(nèi)實(shí)行居住地就近化管理。</p><p> 　　十三、持社保卡就醫(yī)需要密碼嗎?</p><p> 　　答：社?？ㄉ绫９δ茉O(shè)置統(tǒng)一的初始密碼，初始密碼統(tǒng)一為“000000”，目前寧波市內(nèi)醫(yī)保就醫(yī)暫無(wú)需使用密碼結(jié)算，在市外(浙江省內(nèi))的醫(yī)保就醫(yī)需要憑此初始密碼結(jié)算。</p><p> 　　十四、社?？ㄟz失后如何補(bǔ)辦?</p><p> 　　答：社?？ㄟz失后，持卡人應(yīng)及時(shí)致電87290000進(jìn)行社保功能的臨時(shí)掛失，并同時(shí)撥打社?？▽?duì)應(yīng)銀行服務(wù)熱線進(jìn)行金融功能的臨時(shí)掛失。臨時(shí)掛失后，由本人攜帶身份證原件(如未成年人辦理補(bǔ)卡手續(xù)，由監(jiān)護(hù)人持參保人戶口本、監(jiān)護(hù)人身份證原件)到寧波大市范圍內(nèi)就近的社?？ㄖ行霓k理補(bǔ)辦手續(xù);臨時(shí)掛失后又找回社?？ǖ?，也應(yīng)由本人攜帶身份證原件(如未成年人則由監(jiān)護(hù)人持參保人戶口本、監(jiān)護(hù)人身份證原件)及社?？ǖ骄徒膶幉ù笫蟹秶鷥?nèi)社?？ㄖ行霓k理解除掛失手續(xù)。以上情況，本人如因特殊原因不能前來(lái)的，可由代理人攜帶本人和代理人身份證原件代為辦理。</p><p> 　　十五、領(lǐng)取社?？ㄊ欠褚召M(fèi)?</p><p> 　　答：社會(huì)保險(xiǎn)參保人員首次申領(lǐng)社?？坝行诘狡趽Q卡免收工本費(fèi);掛失補(bǔ)卡收取工本費(fèi);因個(gè)人原因的損壞換卡等收取工本費(fèi)，收費(fèi)項(xiàng)目和標(biāo)準(zhǔn)根據(jù)省有關(guān)規(guī)定執(zhí)行。<br/></p><p> 社?？ㄏ嚓P(guān)文章：</p><p> 1.<a _href="http://wyyxscd8644.com/shenghuo/licai/baoxian/396245.html" href="http://wyyxscd8644.com/shenghuo/licai/baoxian/396245.html" target="_blank">醫(yī)?？ㄅc社保卡有什么區(qū)別</a></p><p> 2.<a _href="http://wyyxscd8644.com/shenghuo/licai/baoxian/463978.html" href="http://wyyxscd8644.com/shenghuo/licai/baoxian/463978.html" 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