What are the consequences of borrowing money with a social security card?

What are the consequences of lending a medical insurance card to others?

The influence of lending medical insurance cards to others under different circumstances.

1, drug procurement

Social medical insurance accounts are divided into individual accounts and overall accounts, and the balance in the medical insurance card is an individual account, which can be used for pharmacy purchase or outpatient expenses. Although the balance can't be withdrawn, but free consumption is allowed, you can naturally buy medicine for your family.

However, in the process of claims settlement of insurance companies, there will be an investigation link of drug use records. If long-term use and frequent use of drugs prove that they are insured against diseases, the insurance company will further investigate and inquire, but it will not form direct evidence.

2. Physical examination/treatment/treatment

Different from drug purchase, medical examination, medical treatment records are the most important judgment basis for insurance companies to pay compensation, because they are directly related to medical insurance card holders, and these records may become important evidence for refusing compensation.

But the evidence emphasizes the integrity of the evidence chain, and the conclusion supported by only one piece of evidence is unacceptable. Unless combined with other records to form a complete chain of evidence, it does not constitute a reason for refusing compensation. For example, the medical report lent to an elder was diagnosed as hypertension, but the medical reports for five consecutive years were normal, which proved that the abnormal medical examination did not belong to the medical insurance card holder.

However, this is not a reason to boldly lend the medical insurance card to others. In case the insured really has a similar medical history after taking out commercial insurance, a chain of evidence will be formed before and after, and it is hard to say whether there is pain or not.

Generally speaking, using medical insurance card to buy medicine for others has little effect; However, it is risky to use your own name to give others a medical examination, medical treatment and treatment on the medical insurance card, so you must be cautious.

Extended data

Social medical insurance card (referred to as medical insurance card or medical insurance card) is a special card for personal account of medical insurance. It takes personal ID card as the identification code, and stores detailed information such as personal ID card number, name, gender, payment, account fund consumption, etc.

The medical insurance card is generally undertaken by the local designated agent bank, which is a kind of multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.

reference data

Baidu encyclopedia-social medical insurance card

Can I withdraw money from my social security card? What are the consequences of borrowing money with a social security card?

The financial function of the social security card allows users to use the social security card as a debit card, so they can borrow money to withdraw money. After the loan funds are released to the social security card, users can withdraw cash directly through the ATM machine. As long as the user activates the financial account of the social security card, it can be used as a debit card every day.

However, the user's social security card has not activated the financial account, and the user needs to activate it at the offline outlet of the issuing bank. After activation, the staff will tell the user how to activate it.

Borrowing money with social security cards has no negative effects. Social security card has social security function and financial function. Using the financial function of social security card, social security card can be used as an ordinary debit card. Of course, the financial account of the social security card and the social security account are separate. After the user successfully borrows money, the funds will be loaned to the financial account of the social security card. After paying back the money, it is also deducted from the financial account of the social security card.

If users have other bank cards, it is recommended to apply for loans with other bank cards and directly apply for loans with social security cards. Need to ensure that the financial account of the social security card has been activated.

What's the harm of lending the medical insurance card to others?

The influence of lending medical insurance cards to others under different circumstances.

1, drug procurement

Social medical insurance accounts are divided into individual accounts and overall accounts, and the balance in the medical insurance card is an individual account, which can be used for pharmacy purchase or outpatient expenses. Although the balance can't be withdrawn, but free consumption is allowed, you can naturally buy medicine for your family.

However, in the process of claims settlement of insurance companies, there will be an investigation link of drug use records. If long-term use and frequent use of drugs prove that they are insured against diseases, the insurance company will further investigate and inquire, but it will not form direct evidence.

2. Physical examination/treatment/treatment

Different from drug purchase, medical examination, medical treatment records are the most important judgment basis for insurance companies to pay compensation, because they are directly related to medical insurance card holders, and these records may become important evidence for refusing compensation.

But the evidence emphasizes the integrity of the evidence chain, and the conclusion supported by only one piece of evidence is unacceptable. Unless combined with other records to form a complete chain of evidence, it does not constitute a reason for refusing compensation. For example, the medical report lent to an elder was diagnosed as hypertension, but the medical reports for five consecutive years were normal, which proved that the abnormal medical examination did not belong to the medical insurance card holder.

However, this is not a reason to boldly lend the medical insurance card to others. In case the insured really has a similar medical history after taking out commercial insurance, a chain of evidence will be formed before and after, and it is hard to say whether there is pain or not.

Generally speaking, using medical insurance card to buy medicine for others has little effect; However, it is risky to use your own name to give others a medical examination, medical treatment and treatment on the medical insurance card, so you must be cautious.

Extended data

Social medical insurance card (referred to as medical insurance card or medical insurance card) is a special card for personal account of medical insurance. It takes personal ID card as the identification code, and stores detailed information such as personal ID card number, name, gender, payment, account fund consumption, etc.

The medical insurance card is generally undertaken by the local designated agent bank, which is a kind of multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.

reference data

Baidu encyclopedia-social medical insurance card

Is the social security card borrowing its own influence?

Consequences of borrowing the social security card: the medical insurance card can only be used by individuals, but if it is used by family members, the records of medical insurance card purchase, medical treatment and physical examination will be recorded in the name of the owner of the medical insurance card; If it is used by outsiders, it may be suspected of breaking the law.

legal ground

Article 23 of the Social Insurance Law, employees shall participate in the basic medical insurance for employees, and employers and employees shall pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.