The influence of lending medical insurance cards to others under different circumstances.
1, buy medicine
Social medical insurance accounts are divided into individual accounts and overall accounts, and the balance in the medical insurance card is an individual account, which can be used for expenses such as drug purchase or outpatient service. Although the balance cannot be withdrawn, you are allowed to spend freely, so you can naturally buy medicines for your family.
However, in the process of insurance company's claim settlement, there will be a link to investigate drug use records. If a drug that has been used for a long time and frequently proves that it is insured with disease insurance, the insurance company will further investigate and inquire, but it will not form direct evidence.
2. Physical examination/treatment/treatment
Different from drug purchase, medical examination, medical treatment and treatment records are the most important judgment basis for insurance companies to pay compensation, because they are directly related to medical insurance card holders, and these records may become important evidence for refusing to pay compensation.
But the evidence emphasizes that the chain of evidence is complete, and the conclusion supported by only one piece of evidence is unacceptable. Unless it is combined with other records to form a complete chain of evidence, it does not constitute a reason for refusing compensation. For example, the medical report lent to an elder was diagnosed as hypertension, but the medical report for five consecutive years was normal, which proved that the abnormal medical examination did not belong to the medical insurance card holder.
However, this is not a reason to boldly lend the medical insurance card to others. In case the insured really has a similar medical history after taking out commercial insurance, a chain of evidence will be formed before and after, and it is hard to say whether there is pain or not.
Generally speaking, using medical insurance card to buy medicine for others has little effect; However, it is very dangerous to use your own name on the medical insurance card to give others physical examination, medical treatment and treatment, so you must be cautious.
Extended data
Social medical insurance card (referred to as medical insurance card or medical insurance card) is a special card for personal account of medical insurance. It takes personal ID card as the identification code, and stores detailed information such as personal ID card number, name, gender, payment and consumption of account funds.
Medical insurance card is generally undertaken by the local designated agent bank, which is a multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.
reference data
Baidu encyclopedia-social medical insurance card
Can I withdraw money from my social security card? What are the consequences of borrowing money with a social security card?
The financial function of social security card allows users to use social security card as debit card, so they can borrow money by using social security card. After the loan funds are released to the social security card, users can withdraw cash directly through the ATM machine. As long as the user activates the financial account of the social security card, it can be used as a debit card every day.
However, the user's social security card has not yet activated the financial account, and the user needs to go to the offline outlet of the issuing bank to activate it. After activation, the staff will tell the user how to activate it.
Borrowing money with social security cards has no negative effects. Social security card has social security function and financial function. Using the financial function of social security card, social security card can be used as an ordinary debit card. Of course, the financial account of the social security card is separated from the social security account. After the user successfully borrows money, the funds will be lent to the financial account of the social security card. After paying back the money, it is also deducted from the social security card financial account.
If users have other bank cards, it is recommended to apply for loans with other bank cards and directly apply for loans with social security cards. Need to ensure that the financial account of the social security card has been activated.
What is the harm of lending the medical insurance card to others?
The influence of lending medical insurance cards to others under different circumstances.
1, buy medicine
Social medical insurance accounts are divided into individual accounts and overall accounts, and the balance in the medical insurance card is an individual account, which can be used for expenses such as drug purchase or outpatient service. Although the balance cannot be withdrawn, you are allowed to spend freely, so you can naturally buy medicines for your family.
However, in the process of insurance company's claim settlement, there will be a link to investigate drug use records. If a drug that has been used for a long time and frequently proves that it is insured with disease insurance, the insurance company will further investigate and inquire, but it will not form direct evidence.
2. Physical examination/treatment/treatment
Different from drug purchase, medical examination, medical treatment and treatment records are the most important judgment basis for insurance companies to pay compensation, because they are directly related to medical insurance card holders, and these records may become important evidence for refusing to pay compensation.
But the evidence emphasizes that the chain of evidence is complete, and the conclusion supported by only one piece of evidence is unacceptable. Unless it is combined with other records to form a complete chain of evidence, it does not constitute a reason for refusing compensation. For example, the medical report lent to an elder was diagnosed as hypertension, but the medical report for five consecutive years was normal, which proved that the abnormal medical examination did not belong to the medical insurance card holder.
However, this is not a reason to boldly lend the medical insurance card to others. In case the insured really has a similar medical history after taking out commercial insurance, a chain of evidence will be formed before and after, and it is hard to say whether there is pain or not.
Generally speaking, using medical insurance card to buy medicine for others has little effect; However, it is very dangerous to use your own name on the medical insurance card to give others physical examination, medical treatment and treatment, so you must be cautious.
Extended data
Social medical insurance card (referred to as medical insurance card or medical insurance card) is a special card for personal account of medical insurance. It takes personal ID card as the identification code, and stores detailed information such as personal ID card number, name, gender, payment and consumption of account funds.
Medical insurance card is generally undertaken by the local designated agent bank, which is a multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.
reference data
Baidu encyclopedia-social medical insurance card
Does the social security card borrow its influence?
Consequences of borrowing social security card: the medical insurance card can only be used by individuals, but if it is used by family members, the records of medical insurance card purchase, medical treatment and physical examination will be recorded in the name of the owner of the medical insurance card; If it is used by outsiders, it may be suspected of breaking the law.
legal ground
Article 23 of the Social Insurance Law, employees shall participate in the basic medical insurance for employees, and the employer and employees shall jointly pay the basic medical insurance premium in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.