Diabetes and high blood pressure are common diseases, especially high blood pressure, which is very common among middle-aged and elderly people. In the family, most of the middle-aged and elderly people have some chronic diseases, and it has become a daily routine to go to hospitals and pharmacies to prescribe medicines, and medical insurance can basically reimburse them. However, Xiaobao reminds you here that you must not directly use your family's medical insurance certificate (medical insurance code, medical insurance card) to buy medicine for yourself, nor can you lend your own to others. Otherwise it will have a big impact.
The medical insurance card or medical insurance code is one of the vouchers for the insured to enjoy medical insurance, which contains the name, gender, ID number, ** social security number and other information of each of our insureds, and the implementation of "one person, one code (card)", and the same ID card can only be used by myself, if lent to others to use there are two major harms:
One is that lending is an illegal act, and both parties will be punished. Everyone should have experienced that when seeing a doctor, the doctor should check whether our identity is consistent with the medical insurance card, and at the settlement window of the hospital, there is often a reminder that "the medical insurance card is only for personal use".
If the person who asked you to help buy medicine does not have medical insurance, but your help allows him to enjoy the treatment of medical insurance, it is clearly stated in China's "Social Insurance Law" that this situation is an act of "insurance fraud". If the other party is insured, but not as high as your medical insurance treatment, and wants to borrow your medical insurance card to see a doctor, it is also a fraud. There are many people who are caught defrauding insurance because they are greedy and not only have to return the money they have cheated in, but they may also be subject to other punishments, such as fines, jail time, etc. People who lend their health insurance cards will also be punished accordingly, "doing bad things with good intentions".
The second is to affect my handling of commercial insurance, including claims. At present, people's insurance awareness is getting stronger and stronger, and many people will take out commercial insurance, and the health insurance in commercial insurance often depends on whether there is a history of past conditions and current diseases, such as hypertension, diabetes, hepatitis B and other diseases will affect the insurance company's coverage. If you lend your health insurance card to someone else, your medical and drug purchase records will be recorded on you, which will have an unnecessary impact on you.
Specifically:1. Will leave a medical history for yourself
Since you are going to the hospital to prescribe medicine, you must be in the hospital**, diagnose, and then prescribe to get the medicine. In this way, the medical records and medical records will be left behind, and the medical history will be shown in the medical records. Whether it is you or someone else taking medicine due to illness, it is equivalent to your own medical history.
In addition, chronic diseases such as high blood pressure and diabetes almost all require long-term medication to maintain. Once you use your medical insurance card to buy drugs for such ** chronic diseases, there will definitely be a record, which may have a certain impact on your subsequent life.
2. Cannot be insured
With the increasing awareness of insurance among the people, even if there is already medical insurance, many people will still consider buying another commercial insurance or critical illness insurance, hoping to integrate multiple protections. When some people want to apply for insurance, they find that they can't pass the insurance review level, and they can only be denied insurance in the end, only to know later that this is the reason.
Insurance companies have always been very cautious about policyholders with high blood pressure, so they will ask whether the policyholder has a chronic disease such as high blood pressure in the health notice every time before applying for insurance. Once such a condition is confirmed, the insurance company will generally refuse to cover it, and in the end, the best case scenario will only be excluded.
3. There is a problem with insurance claims
After the insurance company has been insured, whether you use the medical insurance card to buy medicine or see a doctor, the list of records of the medical insurance card can be printed, and this will also be the basis for the insurance company to make a claim for you.
When you go for reimbursement later, once the insurance company finds out in the medical insurance records that you have actually been buying drugs for a certain chronic disease for a long time. Even if you keep explaining that you didn't take it yourself, but just bought it for someone else, the insurance company won't agree.
In the end, reimbursement is often not available. Even though I paid the insurance money, I still couldn't report the claim, which is a very loss.
Conclusion:Not only can you reimburse the cost of medical treatment, but you can also buy medicine directly in the hospital, outpatient clinic or pharmacy. Even if it is convenient, remember not to use your medical insurance card to go to the hospital to buy medicine for others, otherwise it will have a great impact. In addition to the above effects, do you know of any other effects? Welcome to leave a message to discuss!
* |Health***
Edit |Yang Zixuan, Wu Hanxiao.
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