Can I swipe someone else's medical insurance card?

The medical insurance card is exclusive and can only be used by the cardholder himself and cannot be lent to others.

First, the nature and use of medical insurance card

Medical insurance card is the product of medical insurance system, which is used to record the identity information of the insured, medical expenses and changes in personal account funds. It is not only a voucher for the insured to enjoy medical insurance benefits, but also a basis for medical institutions and medical insurance departments to settle expenses.

Second, the particularity of medical insurance card.

Medical insurance cards are exclusive, that is, each medical insurance card is bound to a specific insured person and can only be used by the insured person himself. This particularity is to ensure the fairness and effectiveness of the medical insurance system and prevent the medical insurance card from being abused or fraudulently used.

Third, the risk of lending medical insurance cards to others.

If the medical insurance card is lent to others, it not only violates the provisions of the medical insurance system, but also may bring a series of risks. First of all, it may lead to the abuse of personal account funds and damage the interests of cardholders. Secondly, if others use the medical insurance card for illegal operations, such as buying non-pharmaceutical goods, pretending to see a doctor, etc., the cardholder may face legal responsibility. In addition, medical insurance card lending may also reveal personal information and increase security risks.

Four, the legal use of medical insurance card suggestions

In order to use the medical insurance card legally and safely, it is suggested that the insured should pay attention to the following points: First, keep the medical insurance card properly to avoid losing or stealing it; Secondly, when seeking medical treatment and purchasing medicine, take the initiative to show the medical insurance card and cooperate with the staff to check; Finally, check the changes of personal account funds regularly, and contact the medical insurance department in time if any abnormal situation is found.

To sum up:

The medical insurance card is exclusive and can only be used by the cardholder himself and cannot be lent to others. Lending the medical insurance card not only violates the provisions of the medical insurance system, but also may bring risks such as abuse of personal account funds, legal liability and information security. Therefore, the insured should properly keep the medical insurance card, use it legally, safeguard their own rights and interests, and ensure the fairness and effectiveness of the medical insurance system.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 88 provides that:

Whoever 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 a fine of not less than two times but not more than five times the amount defrauded shall be imposed.

People's Republic of China (PRC) social insurance law

Article 87 provides that:

Social insurance agencies, medical institutions, pharmaceutical trading units and other social insurance service institutions defraud social insurance fund expenditures by fraud, forgery of certification materials or other means, and the social insurance administrative department shall order them to return the defrauded social insurance money and impose a fine of more than 2 times and 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.