Does it matter if the medical insurance card buys medicine for the family?

It matters, because the medical insurance card purchase record will always be kept. When the subsequent insured purchases commercial insurance, they will think that it is the insured's past illness, or increase the insurance premium, and even the insured may apply for compensation. The insurance company thought that it concealed the medical history and refused to pay. Medical insurance card to buy some cold medicine, vitamins, traumatic injury cream for family members, the impact is not great; If you buy drugs to treat thyroid nodules, hepatitis B, coronary heart disease and other diseases, it will have a serious impact, because such a medical history will directly affect the underwriting conclusion of insurance companies. The medical insurance card is for family members. It is best to apply for medical insurance subsidies, otherwise it may be considered as medical insurance fraud.

Fraudulent insurance: lending or transferring my medical insurance card to others for use. Forging or fraudulently using another person's medical insurance card for medical treatment. Forge or alter medical invoices, medical records, prescriptions, expense lists, inspection reports and other medical documents. Sales of drugs, medical devices, medical consumables or medical treatment items purchased with medical insurance cards. Persons who do not meet the conditions for insurance, provide false proof materials for insurance, and defraud medical insurance benefits. Other fraudulent insurance behaviors. If the medical insurance card has been lent to others, you should take the initiative to have a medical examination before applying for insurance, so that when you buy commercial insurance in the future, you can prove your innocence by providing your own medical examination report to avoid unnecessary claims.

Because social medical insurance card, that is, medical insurance card or medical insurance card, is a special card for personal account of medical insurance, with personal ID number as the identification code, it stores and records the detailed information of personal ID number, name, gender, account fund allocation and consumption. Even what medicine you bought, the medical record can still be inquired.

Medical insurance cards can buy medicines for family members, but there are certain conditions. First, only close relatives of the insured, such as his spouse, parents, children, brothers and sisters, grandparents, grandparents, etc., are allowed to buy medicines, and medical insurance cards can be used. Second, over the years, more than 6,000 yuan of personal account balance can be used by family members. Third, buy medicine for your family or pay for it yourself. You can use it only if the total cost exceeds 2000 yuan. Fourth, after payment, the deposit in personal account should not be less than 3000. We can see that this condition is still harsh, and many people may not be able to meet it. So even if many people can use it, they can't use it.

Medical insurance for urban workers has a personal account. Under the normal payment of medical insurance fees, a sum of cash will be transferred to this account every month, which can be used for outpatient service and medicine purchase. In most areas, it is required that the funds in this account can only be used by the insured himself, and it is not possible to pay for outpatient services and medicines for his family. The insured population is generally young and middle-aged, and the utilization rate of account funds is low. Their parents and children must pay for medical treatment. After adjustment, the money can be used to pay for outpatient service and medicine for parents or children. After paying the employee's medical insurance, a sum of money will be transferred to the personal medical insurance card every month, and the money in this card can be paid in the hospital or pharmacy.

Many people have had the experience of lending their social security cards and medical insurance cards to their parents or friends to buy medicines. If you just buy common cold medicines, health care products and other over-the-counter drugs, the problem is not big; However, if you buy prescription drugs for chronic diseases such as hypertension and diabetes, or even borrow your own medical insurance card to treat your family or friends in hospital, the consequences will be very serious, which will directly affect whether you can get insurance and get insurance claims.

According to the law, the medical insurance card is used by family members and may also involve a fraud. In addition to this influence, every time you buy medicine with a medical insurance card, there will be relevant records. If you want to buy insurance in the future, you will decide whether to buy it according to the medical insurance purchase record, so buying medicine frequently will affect the subsequent purchase of commercial insurance.

Legal basis:

Article 88 of the Social Insurance Law of People's Republic of China (PRC) defrauds social insurance benefits by fraud, forgery of certification materials or other means, and the social insurance administrative department shall order it to return the defrauded social insurance benefits and impose a fine of more than two times and less than five times the amount defrauded.