1, drug procurement
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 pharmacy purchase or outpatient expenses. Although the balance can't be withdrawn, but free consumption is allowed, you can naturally buy medicine for your family.
However, in the process of claims settlement of insurance companies, there will be an investigation link of drug use records. If long-term use and frequent use of drugs prove that they are insured against diseases, 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 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 compensation.
But the evidence emphasizes the integrity of the evidence chain, and the conclusion supported by only one piece of evidence is unacceptable. Unless 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 reports for five consecutive years were 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 risky to use your own name to give others a medical examination, medical treatment and treatment on the medical insurance card, 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, account fund consumption, etc.
The medical insurance card is generally undertaken by the local designated agent bank, which is a kind of 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