使用医保看病报销，这5点得注意——

Group 1 - The article emphasizes the importance of proper use of medical insurance funds by insured individuals when seeking medical treatment and reimbursement [1] - Insured individuals must safeguard their medical insurance cards to prevent misuse by medical institutions, which may fabricate medical services to defraud insurance funds [2] - It is crucial to avoid being lured by medical institutions offering incentives like free hospitalization or gifts, as this may lead to fraudulent claims against the insurance fund [2] Group 2 - Insured individuals are prohibited from allowing others to use their medical insurance cards for treatment or medication purchases, as this is strictly against regulations [3] - Duplicate enjoyment of medical insurance benefits is not allowed; individuals must choose one insurance location for reimbursement if they are covered in multiple places [4] - Selling prescribed medications for profit is illegal, and individuals should only obtain medications based on their actual needs to avoid wasting insurance funds [5] Group 3 - Certain medical expenses cannot be covered by insurance funds, such as those that should be paid by workers' compensation or third parties, and using insurance funds in these cases is illegal [6] - Medical expenses incurred abroad are not eligible for reimbursement under basic medical insurance [7] Group 4 - Violations in the use of medical insurance funds can lead to recovery of misused funds and penalties ranging from 3 to 12 months of suspension from network settlement [8] - Intentional fraud against the insurance fund can result in fines ranging from 2 to 5 times the amount fraudulently obtained [9] - If the amount fraudulently obtained exceeds a certain threshold, the case may be referred to judicial authorities for further action [10] Group 5 - Fraudulent use of medical insurance funds can lead to criminal charges under relevant laws, with potential imprisonment for significant amounts fraudulently obtained [11] - Examples of criminal behavior include lending insurance cards for fraudulent claims or falsifying documents to obtain funds [12] - Fraudulent claims exceeding 6,000 yuan may result in criminal investigation, with penalties increasing significantly for larger amounts [13]