It is no exaggeration to say that your medical insurance card is more valuable than your bank card.
Again, never lend out your medical insurance card, even your parents.
In real life, for some reasons, many people lend their medical insurance cards to relatives or friends for medicine, physical examination and medical treatment.
Seemingly simple things actually leave many hidden dangers.
Due to lax supervision, it is not uncommon for some areas to lend medical insurance cards to others. However, this kind of behavior is clearly stipulated in China's social insurance law and belongs to "insurance fraud".
Second, does it matter if the medical insurance card is lent out to buy medicine? Above, I analyzed the influence of medical insurance card lending, so what if the medical insurance card is really lent? I suggest that you don't panic and analyze the specific problems. I have summarized that there may be the following situations: the medical insurance card borrows from the pharmacy to buy medicine; Medical records caused by medical insurance card lending; The medical insurance card has been lent out and there is a medical record; Therefore, we can't generalize about medical insurance card lending. According to the specific situation, different situations will have different treatment methods and results.
We know that medical insurance policies vary greatly from place to place. I took Shenzhen where I live as an example, and made an inquiry through social security official website. You can see the place, time and quantity of drugs you bought, but there is no specific drug name.
And I also called the Social Security Bureau. The staff did not directly answer the question of whether the specific drug name could be found, but only said that what social security could find was subject to what we saw. But I also consulted the social security staff privately. As long as it is an insider of social security, if the authority is high enough, you can find all the contents of individual drug purchases. In addition, we know that the social security and medical insurance policies in different cities are different, even very different: Beijing: the money in the personal account of medical insurance can be taken out and spent; Guangzhou: You can also use the balance of the medical insurance card to buy medicine for your family. Shenzhen: It is said that the balance of medical insurance card can be used for fitness afterwards;
After talking about the problem of buying medicine with medical insurance card, I will talk about the situation that medical insurance card lending leads to medical records, which has a great impact. If you lend the medical insurance card to others, the medical records such as outpatient service and hospitalization will be recorded in your own medical insurance account, so when making claims, the insurance company will naturally find these medical records, which will have a certain impact on insurance claims. If this is the case, how to buy insurance? In fact, the problem is still very complicated. Let's continue to look at the situation: 1, the medical insurance card is lent, and the medical record is that a cold and fever can cure pneumonia, accidental scratches and other minor problems. Normal people may encounter it.
A considerable number of people in China may borrow medical insurance cards or use them to buy medicines for their parents. I don't criticize morality here, but I suggest you try to avoid it in the future.
You can check the place where you buy a drugstore. There should be no specific detailed record of drug purchase, just a running record of medical insurance card money, so the problem is not big;