We all know that things like ID cards, driver's licenses, and cars cannot be lent to others casually. We all know that if anything happens, we will be responsible for the consequences. However, many people do not know that medical insurance cards cannot be loaned out either.

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Many people who are in good health and don't get sick often save a lot of balance. They use the balance in their medical insurance cards to buy medicines for their parents or lend it to relatives for medical treatment. It may seem like there is no problem, but in fact there are huge hidden risks. Be filial.

It's a good thing for parents, but don't delay your own risk protection because of small medical drugs.

1. Borrowing a medical insurance card is equivalent to insurance fraud. Many people mistakenly believe that the money in medical insurance is their own money. How can using their own medical insurance to buy some medicine for their parents count as insurance fraud?

According to Article 88 of the "Social Insurance Law": Strictly speaking, lending a medical insurance card to others for use or reimbursement of expenses is "fraud, forging certification materials or other means to defraud social insurance benefits."

Moreover, the regulations on the supervision and management of basic medical insurance services across the country clearly stipulate that medical insurance cards cannot be lent, transferred or used maliciously.

If it is lost, you should report the loss promptly. You will be legally responsible for defrauding or assisting others to defraud medical insurance funds.

The essence of medical insurance is also insurance. If you lend your medical insurance card to family members, you are actually defrauding social medical insurance benefits, which is equivalent to insurance fraud.

So don’t take chances, because you will face a lot of trouble later.

2. Several situations in which medical insurance cards are borrowed. Situation 1: The medical insurance card is lent to others for use in pharmacies. Many people use one medical insurance card for their whole family.

I buy various cold medicines and calcium tablets for my children, and I buy antihypertensive and blood sugar-lowering medicines for my parents.

It may seem like you are saving money, but if you knew that borrowing your medical insurance card not only violates the Social Security Law, but also poses a huge risk to yourself when buying insurance in the future, you might not do it.

Situation 2: The medical insurance card is used by others in the hospital outpatient clinic. If you lend your medical insurance card to a family member for medical treatment, which is the normal medical process of registration, prescribing medicine, and examination, although the real person who sees the doctor is your family member,

The medical records and clinical diagnoses left behind are written under your medical insurance name, which is equivalent to you going to the hospital to do so many examinations and dispense so many medicines.

If these medical records will affect the final conclusion of the underwriting, you must either take responsibility yourself or tell the truth.

How to tell?

That is to say, you first admit that you have this disease, and then go to the hospital to prove your innocence with physical examination reports and diagnostic reports, which is very troublesome.

Situation 3: The medical insurance card is used by others to be hospitalized. If your medical insurance card is lent to others for hospitalization, if it is just a minor surgery, such as appendicitis surgery or circumcision surgery, there is no need to inform you under normal circumstances, because the claim will not be rejected due to appendicitis surgery.

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However, if you tell the truth, you may face denial of insurance.

Because this is a moral hazard, insurance companies dare not insure it.

Summary: The above three situations will have different impacts on policy underwriting or claims settlement, and each situation must be analyzed in detail based on the actual situation and cannot be generalized.

Medical insurance card loan, related to medical insurance medical treatment and drug purchase records, now all have electronic files.

The insurance company will follow the medical insurance card usage records to find out the physical examination records or diagnosis reports, and then deny insurance or deny compensation. It will not deny insurance or deny compensation just because the medical insurance card has been borrowed from abroad.

3. What kind of things can I borrow to purchase my medical insurance card?

For example, it’s okay to use your medical insurance card to buy some daily necessities in a drug store, such as shampoo, laundry detergent, paper towels, toothpaste, etc.; it’s okay to take ordinary medicines to treat colds and fevers; it’s okay to nourish qi and blood; and it’s okay to buy various antibacterial and antibacterial medicines.

It doesn't matter if you use ointments or liquids for itchiness; it doesn't matter if you use some anti-inflammatory drugs. In other words, it doesn't matter if you can take medicine and treat the minor problems in your life and they will be cured after a while.

4. Drugs that insurance companies will refuse to cover or reimburse if your medical insurance card records that you have purchased some drugs to treat chronic diseases, such as high blood pressure, diabetes, heart disease, etc., or some drugs for infectious diseases, such as hepatitis B;

Or some psychiatric antidepressant drugs will have an impact on your own insurance and claims.

If you only buy once or twice a year or buy occasionally, it’s not a big problem.

If you are caught, as long as your physical examination records are normal, the insurance company will not directly refuse insurance or deny compensation based on one or two pieces of data like this.