医保卡不可变身购物卡

Core Viewpoint - The misuse of medical insurance cards has been identified, where everyday items are being falsely categorized as medical devices, leading to the erosion of the medical insurance fund and ultimately harming the interests of all insured individuals [1][2]. Group 1: Misuse of Medical Insurance Cards - Some pharmacies and manufacturers are packaging everyday items like toothbrushes and skincare products as "Class I and Class II medical devices" to settle payments through personal medical insurance accounts [1]. - Online guides promoting the misuse of medical insurance funds for non-medical purchases have contributed to this issue, despite prior warnings from authorities [1]. Group 2: Causes of Misuse - The lax review process in certain regions for medical device registration and insurance directory access has allowed non-medical items to enter the settlement channels [2]. - Inadequate regulatory technology has made it difficult to identify abnormal payments and the misclassification of products [2]. - The long-term accumulation of personal account funds and low usage efficiency have created opportunities for misuse [2]. Group 3: Proposed Solutions - Reforms are underway to address these issues, including expanding the family pooling scope of personal accounts and implementing cross-province "medical insurance wallets" to improve fund usage efficiency [2]. - A multi-faceted approach is needed to combat the misuse, including stricter entry reviews, timely removal of non-medical items, and the establishment of a negative list [2]. - Enhanced daily supervision and random inspections are necessary to increase the cost of illegal activities and to combat collusion between pharmacies and companies [2]. - Utilizing big data to improve regulatory precision and establish abnormal transaction warning mechanisms is recommended [2]. - There is a need for better policy interpretation and public awareness to guide insured individuals on the proper use of medical insurance funds [2].