What's the impact of buying medicine with other people's medical insurance?

Whether you go to the clinic, stay in hospital or buy medicine, as long as you use the medical insurance card, you will leave a record in the social security system. If you lend your medical insurance card to others, their medical records will remain in your personal file forever. When buying commercial insurance, health notification is needed in most cases. If you have a past illness or a current medical history, it will affect the underwriting of insurance companies. Even if I lend it to others, I am healthy, but it is difficult to prove that the medical record is not your own when you apply for insurance, and it is likely to be rejected by the insurance company.

Medical insurance reimbursement generally has the following ways:

Seeing a general outpatient clinic or buying medicine at a designated medical institution is usually not reimbursed, but it can be paid with the money in the personal account of the medical insurance card;

Medical expenses and operation expenses of hospitalization in designated medical institutions, etc. , will be reimbursed according to (actual medical expenses-out-of-pocket expenses-deductible line) * reimbursement ratio, and can be directly reimbursed and settled in the hospital settlement window.

It should be noted that if you are seeking medical treatment in a different place, you still need to apply for medical insurance in a different place to be reimbursed.

What is the proportion of medical insurance reimbursement?

Outpatient service: 20% reimbursement for medical treatment in tertiary hospitals, with each examination fee and operation fee limited to 50 yuan and prescription drug fee limited to 200 yuan; Chinese medicine invoice with prescription, each paste limit 1 yuan; The annual compensation limit for rural cooperative medical clinics is 5000 yuan. Hospitalization: reimbursement scope: medicine expenses: auxiliary examination: various examination expenses such as electrocardiogram, X-ray fluoroscopy, radiography, laboratory test, physiotherapy, acupuncture, CT, nuclear magnetic resonance, etc. 200 yuan; Surgical expenses (refer to the national standard, reimbursement exceeding 1000 yuan 1000 yuan). The elderly over 60 years old are hospitalized in health centers, and the daily treatment and nursing expenses are compensated 10 yuan, with the limit of 200 yuan. Third-level hospitals are reimbursed 30%.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 88 of People's Republic of China (PRC) Social Insurance Law

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.

Article 9 1 of People's Republic of China (PRC) Social Insurance Law

Those who, in violation of the provisions of this Law, conceal, transfer, occupy or misappropriate social insurance funds or illegally invest and operate shall be ordered to recover by the administrative department of social insurance, the financial department and the auditing organ;

Illegal income, confiscate the illegal income;

The directly responsible person in charge and other directly responsible personnel shall be punished according to law.