Can Tianjin medical insurance be used to treat family members?

Tianjin medical insurance card cannot be used for family members. The medical insurance card is for the personal use of the insured person and cannot be used by family members. The funds in the medical insurance card are the personal rights and interests of the insured and cannot be used to pay the medical expenses of their families.

Social security card and medical insurance card have the following differences:

1, the concept is different: social security card is a social security card, which is issued to the society by local human resources and social security departments and used in various business fields of human resources and social security. Medical insurance card is a special card for personal account of medical insurance, which takes personal ID card as the identification code and stores detailed information such as personal ID card number, name, gender, payment and account capital consumption.

2. Different functions: Social security card not only has the function of medical insurance card, but also is an important document for handling various social security businesses, such as receiving unemployment benefits. The medical insurance card is limited to the medical insurance function and can only be used to enjoy medical insurance benefits.

3. Different card issuing departments: medical insurance cards are undertaken by local designated agency banks, and social security cards are issued to the society by local human resources and social security departments.

4. Different security performance: the social security card has strict key management system and approval, and the security factor is high; However, the medical insurance card does not have such a management system, and the safety factor is low.

As long as you buy medicine through the medical insurance card, there will be records in the card. Therefore, lending a medical insurance card may bring unexpected moral hazard, be seriously refused by commercial insurance or face heavy penalties for allegedly defrauding insurance.

The essence of medical insurance is insurance, and the use of medical insurance cards is an act of defrauding medical insurance benefits. The Interim Measures of the State for Rewarding Reports on Deceiving Medical Insurance Funds clearly stipulates that "lending my medical insurance certificate for medical treatment or medical insurance certificate under an assumed name" is an act of defrauding medical insurance funds.

In addition, lending medical insurance cards may affect the underwriting and settlement of commercial insurance. Borrowed medical insurance cards leave medical records, which will affect the purchase of commercial insurance. Or, commercial insurance companies will inquire about the medical information of the insured when making claims; The "past history" left by the insured who borrowed the medical insurance card before may cause the commercial insurance company to increase the cost or do the exclusion responsibility, and may directly refuse the insurance in serious cases.

To sum up, social security card and medical insurance card are different in concept, function, issuing department and security performance.

Legal basis:

Regulations on the supervision and administration of the use of medical insurance funds

Article 17

The insured person should hold his medical insurance certificate for medical treatment and drug purchase, and take the initiative to show it for inspection. Insured persons have the right to require designated medical institutions to truthfully issue expense documents and related materials. Insured personnel should properly keep medical insurance documents to prevent fraudulent use. If it is necessary to entrust the purchase of drugs for special reasons, the identity certificates of the principal and the trustee shall be provided. Insured persons shall enjoy medical security benefits according to regulations and shall not enjoy them repeatedly. Insured persons have the right to request medical insurance agencies to provide medical insurance consulting services and put forward suggestions for improvement in the use of medical insurance funds.