What are the consequences of lending a health insurance card to someone else?

As much as possible, as much as possible, it is against the law.

The Measures for the Supervision and Administration of Basic Medical Insurance stipulate that the medical insurance card can only be used by the cardholder himself, and cannot be rented or lent. Losses caused by miscustody of the card, lending the card to another person for use, or other misconduct will be borne by the cardholder. In response to the problem of lending one's medical insurance card to others for use, the current domestic medical insurance agency stipulates that fines and suspension of cardholders from enjoying basic medical insurance benefits can be punished.

If you are hospitalized with someone else's medical insurance card, and the inspectors of the medical insurance agency find that there is an impostor hospitalization, after verification, in addition to the recovery of all the hospitalization medical expenses incurred by the medical insurance agency, it will be punished according to the national medical insurance**; Those who seriously violate the criminal law will be handed over to the judicial department and investigated for criminal responsibility.

In life, people often lend their health insurance cards to friends and family members to go to the doctor and buy medicine, and they don't care about the consequences. However, lending your health insurance card to others, even family and friends, can have a big impact on yourself, and you may even get into trouble because of it.

What are the consequences of borrowing a health insurance card? How to remedy the loan of medical insurance card? I'm Deep Blue Insurance, focusing on insurance evaluation! Pay attention to Deep Blue Insurance, teach you to buy insurance and not pick pits

What are the consequences of lending our health insurance card to someone else?

Can I borrow my health insurance card? What are the consequences?

Legal Analysis: The medical insurance card cannot be lent to others. The medical insurance card cannot be lent to others, and the impact of lending it to others is as follows:

1. When others use your medical insurance card to see a doctor or buy medicine, they will record their medical history into your medical history; 2. Affect the medical insurance card holder to buy insurance, especially if he borrows to buy high blood pressure drugs or treats insurance contraindications, etc., the cardholder can easily refuse insurance or bring claims disputes.

Legal basis: Social Insurance Law of the People's Republic of China

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Article 24: The State is to establish and improve a new type of rural cooperative medical system.

The management measures for the new type of rural cooperative medical care shall be stipulated by ***.

Article 25 The State shall establish and improve the basic medical insurance system for urban residents.

The basic medical insurance for urban residents implements a combination of individual payment and subsidy.

Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families, etc., will be subsidized by **.

Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with the provisions of the State.

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Medical insurance is an insurance for us, but it is also a social welfare, we can reimburse a lot of medical expenses through the medical insurance card, so if we lend the medical insurance card Huila to others to use, then what impact will it have on ourselves?

Does lending my health insurance card to others affect me?

Lend the medical insurance card to others for use, it must have an impact on yourself, mainly the following points, let's take a look at it.

Fines: According to the regulations, the special funds for medical insurance are used exclusively and shall not be embezzled or misappropriated by any organization or individual. Insured persons shall not hand over medical insurance certificates to others for fraudulent use, shall not enjoy medical insurance benefits repeatedly, and shall not use medical insurance benefits to resell drugs.

For the purpose of fraudulently obtaining medical insurance**, the online settlement of personal medical expenses will be suspended for 3 to 12 months, and a fine of not less than 2 times but not more than 5 times the amount of the fraud will be imposed.

Affect credit: Many people don't know, in fact, the standardized use of medical insurance also affects our credit, if you lend your medical insurance card to others, it is insurance fraud. According to the regulations, the results of the daily supervision and inspection of the medical insurance card and the punishment results are included in the national credit information platform, so this will affect our personal credit.

Illegal acts: If we have insurance fraud, once discovered, the social security management agency can investigate, if the circumstances are serious, and even have the ability to return to the cavity will be sentenced, and do not use the medical insurance card to swipe daily necessities and health products, which are illegal.

Affect insurance: If we use social security indiscriminately, and others use it in a false name, even if they are not discovered, then these records of medical treatment and drug purchase are in our name, which means that we may not be able to pass the health audit when we apply for insurance in the future, or when applying for a claim, the insurance company will think that we are hiding our illness and refuse to pay according to the records.

Therefore, it is very risky to lend our medical insurance card to others for use, and we must use it carefully. In fact, if our family members need medical insurance, it is not impossible to use it. In the past, the balance in the personal account could only be used by the person, but now it can be used to pay for the out-of-pocket part of the hospitalization of spouses, parents, and children, and it is also possible to buy medicine at designated pharmacies, but only the balance of the personal account can not be used for reimbursement.

What are the consequences of borrowing a health insurance card? How to remedy the loan of medical insurance card? I'm Deep Blue Insurance, focusing on insurance evaluation! Pay attention to Deep Blue Insurance, teach you to buy insurance and not pick pits

What are the consequences of lending our health insurance card to someone else?

What are the consequences of borrowing a health insurance card? How to remedy the loan of medical insurance card? I'm Deep Blue Insurance, focusing on insurance evaluation! Pay attention to Deep Blue Insurance, teach you to buy insurance and not pick pits

What are the consequences of lending our health insurance card to someone else?

1. It is illegal to borrow a medical insurance card for others to use.

Article 88 of China's "Social Insurance Law": Anyone who fraudulently obtains social insurance benefits by fraud, forgery of supporting materials or other means shall be ordered by the social insurance administrative department to return the social insurance money obtained by fraud and impose a fine of not less than two times but not more than five times the amount obtained by fraud. where a crime is suspected, it shall be transferred to the judicial organs for handling in accordance with law.

Medical insurance also has the word "insurance", and its essence is also insurance. Lending your medical insurance card to your family and friends is actually an act of defrauding social medical insurance. Its nature is equivalent to insurance fraud!

Although the current supervision is not strict, and no one takes the initiative to pursue it, it is still not encouraged. Moreover, once someone reports it, the social security agency can conduct an investigation, which is very troublesome.

2. Affect the purchase of insurance.

Whether it is outpatient treatment, hospitalization, or buying medicine, as long as you use your medical insurance card, you will take turns to leave a record in the social security system. If you lend your medical insurance card to someone else, the medical records of others will remain in your personal file forever. When purchasing commercial insurance, health information is required in most cases, and the presence of pre-existing and current medical conditions will affect the insurance company's coverage.

Even if you lend it to someone else and you are healthy, it is difficult for you to prove that the medical records are not your own, and it is very likely that the insurance company will refuse to insure you.

3. Refusal of compensation. If the insurance company does not find out and is not carded when applying for insurance, the insurance is successful. However, when it is necessary to make a claim in the future, the insurance company inquires about these medical records, and the problem comes:

I'm sorry, you've bought xx medicine, you've seen xx disease, you didn't tell the truth, refuse to pay! At that time, who to reason with?!

Legal Analysis: Generally speaking, the lending of medical insurance cards will have the following impacts:

1. Those who use medical insurance cards in violation of regulations will be arrested for violating the law

Lending a medical insurance card to someone else has already violated the law, and if the circumstances are serious, you may also be held criminally liable.

2. Commercial insurance may be denied;

The consumption record of the medical insurance card will be recorded in the name of your medical insurance, which will have a huge impact on your own insurance. Many insurance companies will think that you are not honest, and based on the moral hazard management and control of insurance, directly refusing to make a commercial insurance claim may fail;

3. The medical insurance card is for personal use by default, one person and one card, and all consumption records are considered by the insurance company to be your personal medical condition, and the insurance company will not tell you about "human favors" at this time, and the insurance company's tolerance for borrowing social security cards is very low.

Legal basis: Social Insurance Law of the People's Republic of China Article 88 Where social insurance benefits are obtained by fraud or by falsification of supporting materials or other means, the social insurance administrative department shall order the return of the social insurance money obtained by fraud and impose a fine of not less than two times but not more than five times the amount obtained by fraud.