Legal analysis: No, it is illegal to lend out the medical insurance card. The money in the medical insurance pooling fund is the money of the insured. Lending out the medical insurance card is equivalent to letting people without medical insurance enjoy medical insurance treatment for free, which is equivalent to cheating. Because all the units that can swipe their medical insurance cards are designated medical units that have undergone strict examination and filing in the local medical insurance center, the medical insurance center will require them to pay a certain deposit, and will regularly supervise the credit card records through the system background and send people to make irregular unannounced visits. Once violations such as brushing, brushing, hanging beds, and selling out-of-range drugs are found, warnings will be given, deposits will be deducted, settlement will be delayed, and the most serious punishment will be cancelled.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 87 Where social insurance agencies, medical institutions, pharmaceutical trading entities and other social insurance service institutions defraud social insurance fund expenditures by means of fraud or forgery of certification materials, the social insurance administrative department shall order them to return the defrauded social insurance money and impose a fine of more than 2 times but less than 5 times the amount defrauded; If it belongs to a social insurance service institution, the service agreement shall be terminated; If the directly responsible person in charge and other directly responsible personnel are qualified, their qualifications shall be revoked according to law.

Article 88 Anyone who defrauds social insurance benefits by fraud, forgery of certification materials or other means shall be ordered by the social insurance administrative department to return the defrauded social insurance benefits, and shall be fined at least two times but not more than five times the amount defrauded.