Can Serious Disease Be Extracted From Housing Provident Fund?

< p > at present, the extraction conditions of < a href= "//www.sjfzxm.com/news/index_c.asp" > housing provident fund < /a > basically include: purchase, construction, reconstruction, overhaul of self occupied housing, repayment of home purchase housing loans, retirement or retirement, termination of labor relations with various units due to various reasons, relocation of the registered permanent residence to the city, and the relocation of units without housing provident fund system, death or declaration of death, lease from housing, etc.

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< p > < strong > is there any law to follow? < /strong > < /p >

< p > not long ago, Qinghai issued the "opinions on Several Issues concerning the management of housing provident fund". According to this view, the employees' serious difficulties in family life are caused by major diseases such as special diseases and chronic diseases. The Medical Records issued by the competent authorities can be extracted from employees' a href= "//www.sjfzxm.com/news/ index_x.asp" > medical insurance < /a > medical certificates issued by the competent authorities.

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< p > this is not the innovation of Qinghai province.

A few years ago, Yibin, Sichuan and Xiangtan, Hunan province also carried out the business of extracting housing accumulation funds from workers suffering from major diseases.

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< p > Xiangtan housing provident fund management center responsible person told reporters that the establishment of workers suffering from major diseases, housing provident fund business has three policy basis.

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< p > the first is the tenth guiding opinions of the Ministry of construction, the Ministry of Finance and the people's Bank of China on some specific issues of housing provident fund management issued in January 10, 2005.

The two is the fifth issue of the "Hunan housing provident fund management measures" issued in 2009: "if a sudden illness such as a major illness causes family life difficulties, it can apply for the withdrawal of the storage balance in my housing provident fund account."

Three is the implementation of the "Xiangtan housing provident fund extraction management rules" in July 2009 third: "the central approved medical expenses for major diseases can be taken out of the housing provident fund account storage balance."

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< p > < strong > why "open the mouth"? < /strong > < /p >

< p > in fact, the tight provident fund is only this year.

Data show that from 2011 to 2012, the annual balance of the national provident fund stood at about $4 500 billion.

Due to limited use and difficulty in extraction, this huge amount of money has long been "asleep".

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< p > in recent years, there are more provident fund balances in some places in Qinghai.

By the end of 12 2012, the housing fund management center of Qinghai province has collected a balance of 3 billion 203 million yuan.

If a worker does not buy a house, he will not be able to withdraw the money until he retires.

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< p > > a href= "http://sx.sjfzxm.com" > Qinghai province < /a > there are more difficulties enterprises and more workers in some places, and some of them suffer from serious illness and lead to family poverty.

To this end, the relevant person in charge of Qinghai proposed that provident fund has a large balance, and the depositor does not buy a house, but the treatment is also in urgent need of money. Provident fund can play a relief role. This is a good way to benefit the people.

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< p > Yibin housing provident fund center collection management section Nie Zhong Xin said: "provident fund is only the money that belongs to the staff and workers managed by employees. When workers encounter serious illness, the right to life is higher than the right to live, and life is more important, so allowing serious illness to be extracted."

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< p > Xiangtan housing provident fund management center responsible person expressed a similar view: "although housing provident fund function design is mainly to solve the housing problem of workers, but when the depositor and family face major diseases, causing serious family difficulties, the right to survival is the first.

Therefore, it is reasonable and reasonable to use the funds originally used for house purchase to cure diseases, which is a humanized approach.

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< p > < strong > how to "extract serious diseases"? < /strong > < /p >

< p > "in the past 5 years, only 100 cases in Qingyuan have been used to extract funds for medical assistance in serious cases, and the withdrawal of funds for 3 million 300 thousand is not ideal in general."

Xiao Ning, director of the housing provident fund management center of Qingyuan, Guangdong, believes that the housing provident fund should play a greater role in solving the urgent problems of the masses.

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< p > reporters interviewed in various places found that, because < a href= "//www.sjfzxm.com/pioneer/" > major disease < /a > the amount of withdrawal of provident fund is basically the individual portion of hospitalization expenses, that is, the actual amount of medical expenses minus the difference after the reimbursement of medical insurance.

Chengdu also stipulates that the medical expenses borne by individuals do not include the amount of payment for serious illness, mutual medical assistance and supplementary insurance.

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< p > besides, Tianjin requires that employees and spouses be unable to handle the loan before the loan is settled if the employee has a personal housing provident fund (portfolio) loan obligation.

Yibin also requires that there is no need for Yibin housing provident fund loans to withdraw housing provident fund due to major diseases.

The standard of Chengdu's extraction is that in a natural year, the medical expenses paid by the individual exceed 6 times the disposable income of the urban residents in the previous year and cause serious difficulties for the employees' family life.

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< p > in terms of disease types, Tianjin includes 23 types of diseases, including leukemia, aplastic anemia, various cancerous lesions, and aortic surgery.

Yibin initially set the same category of disease as social security, and later added a "one-time medical cost exceeding 25 thousand yuan".

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< p > in terms of the scope of use, Tianjin and Xiangtan stipulate that it is necessary for them to get serious illness from themselves, their spouses and minor children, while Yibin and Chengdu allow themselves, their spouses and their immediate relatives to withdraw, and the immediate family members include my parents and children.

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< p > < strong > can it be popularized? < /strong > < /p >

< p > over the past 6 years, the housing provident fund management center in Xiangtan has extracted nearly 2 million 700 thousand yuan for nearly 150 employees, and has reduced the financial burden of the families of the workers to a certain extent.

As of September this year, the Chengdu provident fund center has accumulated 41 million 930 thousand yuan for 2488 serious ill workers.

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< p > however, unlike the housing provident fund surplus in Qinghai Province, Chengdu has been in urgent need of serious sick workers. The utilization rate of its housing provident fund has been running high for many years, and the government has to raise the "threshold" of housing provident fund loans recently.

Hangzhou, Beijing, Shanghai and other property pactions in the more prosperous cities appear tight provident fund, loan difficulties.

Some experts believe that, from a national perspective, it is not feasible to let "housing provident fund" pay for workers' "serious diseases".

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< p > decentralized management of the "pool of funds" of the provident fund has reduced the efficiency of fund utilization and made all areas "busy and idle".

Some experts suggest that the management of the national provident fund plan should be strengthened, the supervision of fund funds should be strengthened and the efficiency of the use of funds should be improved.

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