Can I use someone else's medical insurance card?

You can't use other people's health insurance. Details are as follows:

1, medical insurance implements real-name registration system, which is for personal use only and cannot be lent to others;

2. If the insured gives his medical insurance card to others for use, once the annual maximum payment limit is exceeded, the party concerned will not be able to enjoy the medical insurance reimbursement treatment when he falls ill again;

3. The medical insurance card is one of the certificates that the insured should enjoy medical security. In principle, it is only for the use of the insured himself. If drugs are purchased, there is no clear stipulation that the drugs purchased are only for their own use. If there is a balance on the card, you can see a doctor at the designated medical insurance hospital in the insured area and pay the out-of-pocket part. Using a non-personal medical insurance card for medical treatment is an act of defrauding social insurance, and the social security department can impose a fine on the borrower and a penalty on the lender for stopping reimbursement of the medical insurance card. However, at present, family medical insurance sharing is implemented in some areas. This kind of situation can be paid by someone else's medical insurance card. The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

Using someone else's medical insurance card to see a doctor may have the following consequences:

1. Using someone else's medical insurance card to see a doctor is just using another medical insurance card. This behavior belongs to insurance fraud. Once discovered, both policyholders and fraudulent users will be affected;

2. Giving your medical insurance card to relatives and friends may also be fraud. Many people think that giving medical insurance cards to relatives and friends is a kind of goodwill, 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;

3, may affect the doctor's diagnosis of the disease, easy to produce adverse consequences of misdiagnosis. Because most medical systems in the country are gradually related, medical insurance cards are used by others, and doctors may misjudge the condition because of historical records when they seek medical treatment in the future;

4. It may affect commercial insurance claims. When we buy health insurance products such as critical illness insurance, medical insurance and life insurance. We usually need to know about our health. Many insurances don't cover past diseases. If you buy insurance, at the time of claim settlement, the insurance company finds that the reimbursement record of the medical insurance card has the record of past illness medication or reimbursement, even if it is not for your own use, it is difficult to say clearly.

To sum up, if 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 the 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:

Article 4 of People's Republic of China (PRC) Social Insurance Law

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Article 7

The administrative department of social insurance in the State Council is responsible for the national social insurance management, and other relevant departments in the State Council are responsible for the relevant social insurance work within their respective functions and duties. The social insurance administrative department of the local people's government at or above the county level shall be responsible for the social insurance management within its administrative area, and other relevant departments of the local people's government at or above the county level shall be responsible for the relevant social insurance work within their respective functions and duties.

Article 8

Social insurance agencies provide social insurance services, responsible for social insurance registration, personal rights and interests records, social insurance benefits payment and other work.