Can I give my medical insurance card to someone else?

Not recommended for others. Generally speaking, medical insurance card lending will have the following effects:

1. It is illegal to use the medical insurance card illegally. Lending the medical insurance card to others has violated the law, and serious cases may also bear criminal responsibility.

Second, commercial insurance may be refused. The consumption record of medical insurance card will be recorded in your own medical insurance name, which has a great impact on your own insurance. Many insurance companies will directly refuse insurance based on the moral hazard control of insurance, thinking that you are dishonest.

Third, commercial insurance claims may fail. By default, the medical insurance card is for personal use, one card for each person, and all the consumption records are considered by the insurance company as your personal medical condition. At this time, the insurance company will not tell you about "human feelings", and the insurance company's tolerance for social security card lending is very low.

The Regulations on the Supervision and Administration of the Use of Medical Insurance Funds came into effect on May 1 20265438. Medical insurance and public security departments jointly launched special rectification actions to crack down on fraudulent insurance and protect people's "life-saving money". Personal insurance fraud will be punished by returning the medical insurance fund, suspending online settlement of medical expenses for a certain period of time, and fines. If a crime is constituted, criminal responsibility shall be investigated according to law.

The fraudulent acts of the insured include:

1. Forge false medical service bills to defraud the medical insurance fund;

2. Giving my medical insurance card to another person for use under an assumed name or holding another person's medical insurance card for medical treatment under an assumed name;

3. Use medical insurance benefits to resell pharmaceutical consumables.

In addition, the insured who lends the medical insurance card may be refused insurance when purchasing supplementary medical insurance such as critical illness insurance.

Medical insurance card fraud will be severely punished.

At present, the medical insurance department is continuing to crack down on fraudulent acts of defrauding medical insurance funds. Designated medical institutions handle medical security benefits for those who do not belong to the scope of medical security; Designated retail pharmacies steal medical insurance identification, take cash for the insured or buy health food, cosmetics and daily necessities without relevant batch numbers; It is the focus of supervision that the insured lends his medical insurance certificate to others for medical treatment or holds another person's medical insurance certificate under the guise of medical treatment.

According to reports, in view of the problem of lending my medical insurance card to others, at present, the domestic medical insurance department stipulates that cardholders can be fined and stop enjoying basic medical insurance benefits, or even permanently cancel the medical insurance benefits of the insured.

The insured lends the medical insurance card to others for hospitalization, and the medical insurance inspectors find that there is an impostor in the hospital. After investigation, in addition to recovering all hospitalization expenses, they will be punished according to the national medical insurance fund; If the amount involved is high and meets the criteria for imprisonment, it will be handed over to the judicial department for criminal responsibility.

Legal basis:

Social insurance law

Article 88

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. Anyone suspected of committing a crime may be prosecuted.