Can I use my medical insurance card to buy medicine for my family?

Legal analysis: the medical insurance card is the certificate for the insured to enjoy medical security, and in principle it is only for the insured himself. The money in the medical insurance account is personal, and the money in the medical insurance pooling fund belongs to each medical insurance applicant. The purpose is to share the disease risk and solve the medical expenses of employees when they are sick through the mutual assistance of social groups in a certain area.

First, if it is used by family members without medical insurance, it is unfair to other insured persons. However, the money in the medical insurance card essentially belongs to the insured himself, so it is reasonable to give it to his family. At present, some areas are allowed to share medical insurance cards with their families, such as Guangzhou, Shenzhen, Zhejiang and Xiamen. , but generally there are restrictions. Please consult the local social security bureau for details. The medical insurance card can be used by family members under the following circumstances:

1, the personal contribution of the close relatives of the insured to participate in the basic medical insurance for urban and rural residents, and the cost of using rabies vaccine, various pneumococcal and influenza vaccines.

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

Second, however, the medical insurance card of the general family members is limited to buying medicine and above. If hospitalized, it can only be used by the insured himself, and it is strictly forbidden to use it to others. If you give the medical insurance card to others for illegal use, you may face the following consequences:

1, insurance fraud is illegal. Many people think that it is given to relatives and friends out of kindness, but from a legal point of view, fraudulent use of other people's medical insurance cards to reimburse medical expenses is fraudulent insurance and will be investigated for legal responsibility.

2. People who fraudulently use medical insurance cards are also fraudulent insurance. Once discovered, both policyholders and fraudulent users will be affected.

3, affect the doctor's judgment on the condition, and easily lead to the adverse consequences of misdiagnosis. The medical system in most parts of the country is gradually networked, and the medical insurance card is used by others. See a doctor yourself in the future, and the doctor may misjudge your illness because of historical records.

Legal basis: Article 28 of the Social Insurance Law of People's Republic of China (PRC) conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue medical expenses, and shall be paid by the basic medical insurance fund according to state regulations.