The impact of lending the medical insurance card to others under different circumstances 1. Purchase of medicines Social medical insurance accounts are divided into personal accounts and overall accounts. The balance in the medical insurance card is the personal account, which can be used for drug purchases in pharmacies or outpatient expenses.

Although the balance cannot be withdrawn in cash, it is allowed to be spent freely, so you can naturally buy medicines for your family.

However, in the insurance company's claims process, there will be an investigation of medication records. If a certain drug that has been used for a long time and frequently proves that the insurance was purchased while the patient was ill, the insurance company will further investigate and inquire, but no direct evidence will be formed.

2. Physical examination/medical treatment/treatment is different from purchasing medicines. Physical examination, medical treatment and treatment records are the most important basis for insurance companies to make judgments when verifying claims. Because they are directly related to the medical insurance card holder, these records may become important evidence for denying claims.

.

However, what is important for evidence is a complete chain of evidence, which cannot be established in isolation. A conclusion supported by only one piece of evidence is unacceptable. Unless it is combined with other records to form a complete chain of evidence, it will not constitute a reason to refuse compensation.

For example, if the medical examination report lent to an elder is diagnosed with high blood pressure, but the subsequent physical examination reports for five consecutive years are normal, it proves that the abnormal physical examination does not belong to the holder of the medical insurance card.

However, this is not a reason to boldly lend your medical insurance card to others. If after purchasing commercial insurance, the insured actually has a similar medical history, a chain of evidence will be formed, and it will be difficult to describe the suffering.

Taken together, using a medical insurance card to buy medicines for others has very little impact; however, using your own name on the medical insurance card to give others medical examinations, medical treatment, and treatment has great risks, so you must be cautious.

Extended information Social medical insurance card (referred to as medical insurance card or medical insurance card) is a special card for medical insurance personal accounts. It uses a personal ID card as an identification code and stores and records the personal ID number, name, gender, and the allocation and consumption of account funds.

Situation and other detailed information.

Medical insurance cards are generally handled by local designated agent banks and are a type of bank's multi-functional debit card.

After the insured units pay the premiums, the local medical insurance department will entrust the bank to allocate the personal account funds to the insured employees' personal medical insurance cards at the end of the month.