Yes, as long as you have other credit cards and doctors in your name, there is no problem, and you can deduct the annual fee every year. There is no need to pay medical insurance. As long as you apply for someone else's credit card, you can pay up to 1000 yuan. And the money will be returned to you in equal amount, and the first card can be used. However, it should be noted that medical insurance payment business and credit card charges are not necessary items, and it is best to avoid other unexpected losses.