Can I give my health insurance card to others?

OwnHealth insurance cardIt must not be used by others, because such behavior is an act of insurance fraud, and at the same timeIllegal Behavior

When we need to spend money on medical treatment, if we have paid medical insurance normally, we can reimburse the corresponding proportion of ** expenses according to medical insurance. If we don't pay Medicare, we'll need to pay the full amount. Some people may use someone else's health insurance card to reimburse medical expenses, which itself is already suspected of insurance fraud, which is an improper illegal act, and everyone needs to abide by the law.

1. Your own medical insurance card cannot be used by others.

Some people have a weak sense of law, or they are lucky, so they will lend their medical insurance cards to others to help others save medical expenses in this way. To a certain extent, everyone's medical insurance card can only be used for themselves, because the medical insurance card is their own medical security, not someone else's medical insurance, and fraudulent use of other people's medical insurance card is an insurance fraud. <>

2. Such acts are severely punished by law.

In real life, once the hospital and the social security department find that someone is fraudulently using someone else's social security card, the relevant personnel will be held legally responsible.

As long as a person is involved in normal work, it is mandatory by law to pay medical insurance and social security, which means that everyone will have their own medical insurance account.

If a person does not have a medical insurance account for various reasons, the person can pay the medical insurance separately in an individual way, and there is no need to cheat the insurance at all. <>

3. What is my personal advice?

When we are in good health, we may not pay social security normally for various reasons, and at the same time, we cannot enjoy the basic rights of these social insurance, and the right to medical insurance is one of them. If we pay enough attention to our own living security, we should pay all kinds of social security insurance normally to make our lives safe and stable. Medical insurance cards and social security cards are very personal items, and we need to keep our medical insurance cards and social security cards safe, and we can't easily borrow them!

It's best not to use it for others, generally go to the hospital to see a doctor** are real-name system, it is not realistic to use someone else's medical insurance card, and you can use someone else's medical insurance card to buy medicine.

Your own medical insurance card cannot be used by others, because medical insurance cards are real-name authenticated, and they can only be used by yourself, and China also has relevant regulations in this regard.

Your own medical insurance card cannot be used by others, because it is clearly stipulated, and if you are caught, it is an illegal act.

No.

The medical insurance card is a certificate for the insured to enjoy medical insurance, and in principle, it is only used by the insured person. The money in the medical insurance account belongs to the individual, but the money in the medical insurance pooling ** belongs to each medical insurance policyholder, with the purpose of sharing the risk of disease and solving the medical expenses of employees when they are sick through mutual assistance between social groups within a certain area.

Special circumstances. If it is used by family members who do not have health insurance, it is unfair to other insured persons. However, the money in the medical insurance card essentially belongs to the policyholder himself, and it is reasonable for him to use it for his family. At present, some areas allow you to use your medical insurance card to your family and share the amount of insurance, such as Guangzhou, Shenzhen, Zhejiang, Xiamen, etc., but there are generally restrictions, and you can consult the local social security bureau for details.

The medical insurance card can be used by family members in the following situations:

1. The expenses for the close relatives of the insured to participate in the basic medical insurance for urban and rural residents, the use of rabies vaccine, various pneumococcal and influenza vaccines.

2. The close relatives of the insured persons meet the scope of basic medical insurance payment, and the medical expenses borne by the individual after compensation by the basic medical insurance.

It's okay to kiss, and your own medical insurance card can be used for family treatment, but you have to apply for family mutual aid.

At present, the medical insurance personal account in many regions can be used by the family, and the family needs to be bound, usually in the following ways: 1. You can choose the family binding of the medical insurance account through the local social security service applet, ***, and in the convenient service section. 2. You can add family information to the social insurance service in the city where you are located** in the social security business.

3. In addition, add family members in the national medical insurance service platform APP, family account function, and upload personal commitment and household registration book**. After binding, you can use the balance of your personal account on your medical insurance card to pay eligible expenses to your family.

Please be reminded that not all regions can use the personal account of the medical insurance card for family members, and some regions may not have issued local official documents, which are subject to the current local regulations.

Health insurance cardThe money in the account can be used to buy medicine for the family, but the medical insurance card cannot be lent to others for medical treatment. Medical insurance is a kind of insurance, and lending the medical insurance card to family members and friends is an act of "defrauding social security", which is equivalent to insurance fraud. According to China's Social Insurance Law.

Anyone who fraudulently obtains social insurance benefits by fraud, falsification 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 shall be fined 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.

In addition, the first executive meeting held a few days ago.

It is determined that the state will introduce measures to "establish and improve the outpatient mutual aid guarantee mechanism of basic medical insurance for employees", broaden the scope of use of funds in personal accounts, and allow family members to help each other. The money in the health insurance card account can be used by family members, such as helping to buy medicines, pay medical bills, etc.

Broadening the scope of use of the personal account of employee medical insurance means that the funds in the personal account can be used to pay for family members who meet the medical insurance.

Expenses borne by individuals within the prescribed policy; The medical insurance card corresponds to the treatment of each insured person, inpatient and outpatient severe and chronic diseases.

and other exclusive treatment qualifications can not be "mutual aid". Because of the medical insurance card (social security card) or the national medical insurance electronic voucher.

It contains the name, gender, and ID card of each of our insured persons.

No., **, social security number and other information, the implementation of "one person, one card", and the same ID card, only the real name of the person to use, must be "special card exclusive".

Test your anti-risk index, experts will interpret it for you for free!

Generally, your own medical insurance card can buy drugs for yourself, or use it when you see a doctor, if you have money in your medical insurance, can you use your medical insurance card for others? Next, we will introduce you to the knowledge about whether the medical insurance card can be used by others and its related aspects, hoping to help you solve the corresponding problems.

You can't lend your health insurance card to someone else.

1. The medical insurance card is one of the vouchers that the insured person should enjoy medical insurance, and it is limited to the insured person's own use.

2. If there is a balance on the card (personal account), you can see a doctor in the designated hospital of the medical insurance in the insurance co-ordination area to pay for the self-payment part (pay in cash when it is not enough to pay) or go to the designated pharmacy to buy drugs in the medical insurance catalog, otherwise it is a violation.

1. The use of a non-personal medical insurance card for medical treatment is a fraud to obtain social insurance, and the social security department may impose a fine on the borrower and stop the reimbursement of the medical insurance card on the lender.

2. 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.

1. Scope of use of medical insurance card: When insured employees seek medical treatment and purchase drugs in designated hospitals and pharmacies, they can use the card on the POS machine with the password, but they cannot withdraw cash or transfer money.

2. Balance inquiry of medical insurance card: Insured employees can inquire about the balance by dialing **, or at the savings office of Bank of China or designated hospitals and pharmacies in Yanla City. You can also go online and log in to the social security inquiry system.

3. Medical insurance card transaction inquiry: Insured employees can go to the savings office of Bank of China to print the transaction records of medical insurance cards with their ID cards and medical guarantees, including the allocation records and consumption records of personal account funds. If you have any questions about the transaction records, you can go to the Retail Business Department of Bank of China to make inquiries.

4. Medical insurance card password: If the insured employee changes the password, he or she can call ** to change it, or he can go to the Bank of China Savings Bank with his ID card to change it. If the insured employee forgets the password, he or she can report the loss of the original password and change the password at the Bank of China Savings Bank with his ID card.

5. Custody of medical insurance card: Insured employees should take good care of their medical insurance card, if they are accidentally lost, please immediately go to the unit to issue a letter of certification and go to the medical insurance office to seal and confirm, and then take the ID card to the Bank of China savings office to report the loss, and go through the procedures for the old replacement card, and you can get a new card after 7 days.

6. Precautions: When the number of medical insurance card transactions reaches 60 times, the insured employees must go to the Bank of China Savings Bank to print the transaction records, otherwise, the use of the card will be stopped. Once the transaction history is printed, the card can continue to be used.

In the pharmacy 100% of their own responsibility, hospitalization can enjoy the reimbursement ratio (it must also be covered by medical insurance).

The health insurance card is now merged with the social security card, and it is both in the social security card. The health insurance card is very important and should not be used by anyone except in special circumstances. There are two main functions of the medical insurance card:

The first is to use the personal account in the medical insurance card to buy medicine at the pharmacy or go to the hospital to see an outpatient clinic. The second is to use the medical insurance card to reimburse the hospitalization expenses when the hospitalization is settled. Unlike an individual's bank card, a health insurance card can only be used by the person.

Even on the medical insurance card, the individual's ID number and ** are directly printed on it.

1. The medical insurance card is a medical insurance for individuals.

The medical insurance card is just a card that carries personal information, which is essentially medical insurance purchased by individuals, and since it is insurance, then there must be a beneficiary. The beneficiary of health insurance is the person. So in terms of contractual relationships.

The beneficiary of medical insurance must be the policyholder himself. If others can use your medical insurance card casually, it will inevitably lead to changes in the entire medical insurance payment system. Because other people's physical conditions are different from yours.

2. It is illegal to give the medical insurance card to others.

Chinese law stipulates that the user of the medical insurance card must be himself/herself. If you don't use your medical insurance card to reimburse yourself, the medical insurance center will not accept it, because it may bring the problem of insurance fraud. That is to say, someone ** buys a medical insurance card.

Then pretend to be sick, reimburse the person who issued a fake document, and use someone else's medical insurance card for reimbursement, so that the responsibility for the accident is not his, but the owner of such a card. Some people even use their health insurance cards to cash out. If the health insurance card can be used by others, these loopholes are too big.

3. In very special circumstances, the medical insurance card can be used by others.

Under certain conditions, the health insurance card can be used by others. Last year, a new rule was promulgated that family members can share personal accounts for medical insurance. That is to say, if you are in the same family and you are in the same family, you can use the medical insurance card of one of the family members.

However, if you want to use it, you have to go to the medical insurance department for the record in advance, and it is not something that can be used casually.

Therefore, if medical insurance can be used by others, the risk is too great. Therefore, the state stipulates that medical insurance cannot be used by others casually.

Lend the medical insurance card to others to go to the doctor or buy medicine, it is a fraud of social medical insurance, is not in line with the relevant regulations, and lend the medical insurance card to family and friends to use, which has a great impact on yourself, medical insurance, its essence is also insurance. The money of medical insurance is a special project for basic medical insurance for employees jointly raised by units and individuals, and the medical insurance card is lent to family and friends, strictly speaking, it is "fraud, falsification of supporting materials or other means to defraud social insurance benefits", medical insurance card, as long as it is used, it will leave a record in the social security system, whether you are looking at an outpatient clinic, hospitalization, or buying medicine, which means that if you lend the card to others, other people's medical records will also remain in your file.

No, it can't all be real-name authentication, your own medical insurance card can only be used for yourself, if you use it for others, it will not deduct the relevant money, and it will not have any effect and effect.

Of course, you can't use it for others, because if you give your health insurance card to someone else, it is an illegal act and will be sanctioned.

It is not recommended for others. Generally speaking, the borrowing of this insurance card will have the following effects:

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 dishonest and refuse to insure you based on the moral hazard management of insurance.

3. Commercial insurance claims may fail. 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, at this time the insurance company will not tell you about "human favors", and the insurance company's tolerance for borrowing social security cards is very low.

Regulations on the Supervision and Administration of the Use of Medical Security** will come into force on May 1, 2021, and the medical insurance, public security and other departments have jointly launched a special rectification action to combat fraud and insurance fraud to protect the people's "life-saving money". For personal fraud and insurance fraud, punishment measures such as returning medical insurance**, temporarily suspending medical expenses for a certain period of time, and imposing fines will be taken. where a crime is constituted, criminal responsibility is pursued in accordance with law.

The insured's fraudulent behaviors include:

1.Falsifying fake medical service bills to defraud medical insurance**;

2.handing over one's medical insurance card to another person for use in a false name or using another person's medical insurance card to seek medical treatment in a fraudulent name;

3.Use medical insurance benefits to resell drugs, consumables, etc.

In addition, the insured person who has lent the medical insurance card may also be denied insurance when purchasing supplementary medical insurance such as critical illness insurance due to the record of drug purchase and medical treatment that is not his/her own.

Fraudulent health insurance card insurance will be subject to heavy fines.

At present, the medical insurance department is continuing to promote the fight against fraud and deception of medical insurance**. Designated medical institutions handle medical security benefits for persons who do not fall within the scope of medical insurance; Designated retail pharmacies steal medical security identity credentials to withdraw cash for insured persons or purchase health food, cosmetics and daily necessities that have not obtained relevant batch numbers; It is the focus of supervision for the insured to lend his or her medical security certificate to others for medical treatment or to seek medical treatment in the name of another person's medical insurance certificate.

According to reports, in response to the problem of lending my medical insurance card to others for use, the current domestic medical insurance department stipulates that fines and penalties can be imposed to stop cardholders from enjoying basic medical insurance benefits, and even permanent cancellation of the insured's medical insurance treatment qualifications.

If the insured person lends the medical insurance card to another person for hospitalization and medical treatment, and the medical insurance inspectors find that there is an impostor hospitalization, after verification, in addition to recovering all the hospitalization medical expenses incurred, the corresponding punishment will be given according to the national medical insurance**; Those involved in a relatively high amount of money that meet the criteria for criminalization will be transferred to the judicial department for criminal responsibility.

Legal basis

Social Insurance Act

Article 88.

Where social insurance benefits are obtained by fraud, 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. Those suspected of committing a crime may be prosecuted.