Bamboo said: if I lend my medical insurance card to others, will it affect the purchase of insurance?

On Baidu Encyclopedia, the medical insurance card is explained in this way-social medical insurance card, referred to as medical insurance card or medical insurance card, is a special card for personal account of medical insurance. With the personal identity card as the identification code, it stores and records the personal identity card number, name, gender, transfer and consumption of account funds and other detailed information.

Be sure to read it clearly, not only personal basic information, but also account consumption records! Moreover, almost all hospital pharmacies and private pharmacy cashiers will have a slogan: the medical insurance card is for personal use only. So, yes, you bought all the recorded cardiovascular and cerebrovascular antihypertensive drugs, even if you are a big boy who is too healthy to go to the fifth floor without breathing.

Records, therefore, are produced and always exist.

This is because modern information is becoming more and more networked. Leaving the medical treatment and drug purchase history of serious diseases such as hypertension and diabetes in the medical insurance card record will directly affect the purchase and claim settlement of your own commercial insurance. Some people may not be able to buy commercial insurance directly. And some people, even if insured, successfully invested, just put the risk back to the time of claim settlement.

If I hadn't been asked about the medical insurance card when I applied for insurance, I wouldn't have remembered it myself. More importantly, I have no idea of the serious consequences of the borrower's use of the medical insurance card, and I have not informed this situation. After submitting the insurance information, the result of waiting for underwriting is to refuse underwriting. The reason of the insurance company is that the medical insurance card consumption record proves the past history of cardiovascular and cerebrovascular diseases, but it has not been truthfully told, and it directly refuses to be insured. And left a record of being refused insurance-almost all insurance companies will no longer accept his insurance. If this is the result, it is really want to cry.

If once a claim is made, it is found that there is a history of serious illness before insurance, which violates the principle of utmost good faith in commercial insurance and the principle of truthful notification when insurance is applied. There will be a lot of wrangling that the insured does not want to happen when settling claims.

It is not easy for the insured to prove that he is uninsured despite his illness. It must be a maddening thing to be asked by the insurance company to prove your innocence when you need to make a claim.

Therefore, the best way is not to give your medical insurance card to others. Don't save that little thing. The balance in the medical insurance card is actually equivalent to cash, but whether it is used for hospitalization, buying medicine at ordinary times, buying commercial insurance, or getting a fitness card, etc. However, if the elderly really want to buy a medicine at home, take the cash in their wallets and don't use the young people's cards to buy medicine for treatment. Once you leave a record of illness, what you lose in the future will definitely be much cheaper than what you have now!

Buy commercial insurance, not because accidents and diseases are bound to happen.