Situation 1:
Buy medicine for parents in chain pharmacies with your own medical insurance card. If it is only in a chain pharmacy, the impact is not great. Because in that case, there is a balance in your medical card. Even if the insurance company checks through the medical system in the future, it can only find the consumption record of the amount, but can't find the specific drug information. It has little impact on our insurance and insurance claims.
Situation 2:
I use my medical insurance card to help my parents buy medicine in the hospital. There is no problem with the common cold and fever, and my own commercial insurance health advice does not require these common minor problems. If it is a medicine for a major disease or a medicine for a chronic disease, it will affect your insurance purchase and claim settlement. Because your purchase amount and specific drug information are yours by default. Moreover, insurance companies can find that they have reason to suspect that you have related diseases before taking out insurance, which belongs to disease insurance.
Situation 3:
This situation is even more serious when your medical insurance card is lent to your parents for medical treatment and hospitalization. Now the hospital requires real-name registration system to register, and the patients, medical records and medical insurance co-ordination are all the same person. If you use your name and medical insurance card to co-ordinate your account to help others see a doctor or be hospitalized. These medical information will be recorded in your medical insurance card account. By default, you are in the hospital or in the hospital. When you make a claim, the insurance company will find that you have relevant hospitalization records and medical records, and they can refuse to pay directly. And in this case, you broke the law first, and it is wrong for you to sue the insurance company.
In fact, the lending of medical insurance card is a kind of "fraudulent insurance" behavior, which requires not only the refund of insurance money, but also the corresponding fine, and even the online settlement of medical expenses will be suspended for 3- 12 months. In other words, the medical insurance card may not be used for up to a year in the future, and you can only pay for it yourself. The gain is outweighed by the loss.
Therefore, even if you use your own medical insurance card to buy medicine for your parents, it is not possible!
(1) may be denied insurance.
When we apply for any insurance, the first thing we should do is to tell the truth.
Therefore, when the insurance company asks about the loan situation of the medical insurance card, it must tell it truthfully to avoid possible claims disputes.
However, most insurance companies do not support medical insurance card lending and underwriting, even if the support is very strict, which directly affects their own insurance.
(2) may be refused compensation.
The use record of medical insurance card is equivalent to a personal health credit report, which will accompany you for life.
If the medical insurance card is lent out before insurance, the long-term prescription record of chronic diseases may become the reason for the insurance company to refuse compensation.
Faced with such irrefutable evidence, it is difficult for customers to prove that they do not have the related diseases involved in medical insurance card lending. Even if there is relevant evidence, the process is very complicated and long, and eventually it will be lost because of small.
Although the medical insurance card cannot reimburse the family for medical expenses, it can buy medicines for the family. There are two kinds of medical insurance: medical insurance for urban residents and medical insurance for employees. Now everyone will buy an insurance for themselves, which is equivalent to buying a guarantee. Not everyone can buy insurance casually, and checking the consumption of medical insurance cards is one of the conditions.
Buying medicine for parents with medical insurance card affects buying insurance.
If the medical insurance card is used by parents, it will leave a medical record, so it may also affect their insurance to some extent. Even some insurance companies do not support lending and underwriting medical insurance cards. However, if it is used for some common diseases, such as cold, fever and diarrhea, it will basically not affect the insurance. If you take drugs for chronic diseases or serious diseases, or have some health problems after physical examination, it will be more difficult to apply for insurance. You may need to provide a self-certified health certificate from the insured to prove that you have no diseases in the medical record of the medical insurance card.
Lending a medical insurance card to others is actually an act of "cheating on insurance". China's "Social Insurance Law" clearly stipulates that those who cheat social security benefits by fraud, forgery of certification materials or other means will face a fine of more than 2 times and less than 5 times. However, many areas have opened the scope of use of medical insurance cards. The insured's medical insurance cards can be shared with their families (parents, children and spouses only) and can be used to buy medicines, see a doctor and have a physical examination for their families. But the regulations in different regions are different. You'd better ask the local medical insurance or social security department.
To sum up, when users use medical insurance cards for their families, it is suggested that it is best to check their local regulations on whether medical insurance cards can be used by others. The employee's medical insurance is generally paid by the company, and the employee pays part of it himself, and then deposits it into the medical insurance personal account.
Legal basis:
Measures of the People's Republic of China on the Administration of Social Security Cards
Article 1 These Measures are formulated to standardize the issuance, application and management of social security cards of the People's Republic of China (hereinafter referred to as social security cards), safeguard the legitimate rights and interests of cardholders, and improve the service level of human resources and social security management.
Article 2 The term "social security card" as mentioned in these Measures refers to an integrated circuit card issued to the public and mainly used for government social management and public services in the fields of human resources and social security. The social security card is the electronic certificate for cardholders to enjoy social security and public employment services. It has the basic functions of information recording, information inquiry and business handling.
Article 3 Ministry of Human Resources and Social Security is responsible for managing the issuance and application of national social security cards. Provincial and municipal human resources and social security departments are responsible for the issuance and application management of social security cards in the region, and their subordinate information comprehensive management institutions specifically undertake the related affairs of social security card issuance and technical management.
Article 4 Social security cards shall be constructed in accordance with the principle of "one card is multi-purpose and universal". The issuance of social security cards in all localities must comply with the requirements of safety, integrity and public welfare, adopt unified national standards and norms, and ensure their use throughout the country.