Is it illegal to cash out medical insurance?

The funds in the medical insurance card belong to the special fund. Insured people can buy drugs in designated hospitals and pharmacies, but they can spend them by credit card, but they can't withdraw cash. Therefore, cashing out the medical insurance card is illegal and even faces criminal prosecution. Because according to the provisions of the criminal law, defrauding social security benefits such as pension, medical care, work injury, unemployment and maternity by fraud, forged certification materials or other means belongs to the act of defrauding public and private property as stipulated in Article 266 of the Criminal Law. Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or control, and shall also be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Among them, defrauding public and private finances involves more than 5,000 yuan, which is a large amount; More than 50 thousand yuan, for a huge amount; More than 200,000, because the amount is extremely huge.

1. First of all, when the insured person goes to see a doctor, he will write a prescription and pay the fee after taking the social security person to see a doctor.

2. The insured person goes to the outpatient clinic with the registration form, and the doctor registers the insurance card at the registration office.

3. After the insured person takes the prescription to the hospital settlement window for pricing, he can directly swipe the social security card to pay the medical expenses within the payment scope of the medical insurance fund.

4. If some drugs in the prescription are not covered by the medical insurance fund, the insured needs to pay cash.

To sum up, it is illegal to cash out medical insurance cards. This behavior constitutes a crime of fraud. The penalty for cashing out medical insurance is: defrauding public or private property, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or control, and shall also or only be fined.

Legal basis:

People's Republic of China (PRC) 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.