Core Viewpoint - The misuse of medical insurance cards as shopping cards is undermining the integrity of China's healthcare system, with companies disguising everyday products as medical devices to exploit insurance funds [1][2][4] Group 1: Current Situation - Various regions have reported ongoing fraudulent activities where non-medical products like toothbrushes and face masks are being processed through medical insurance accounts [1][2] - The practice of misusing medical insurance funds is a blatant violation of regulations, which stipulate that these funds should only be used for medical-related expenses [2][4] Group 2: Regulatory Challenges - The current regulatory framework is insufficient, allowing companies to circumvent laws by reclassifying everyday items as medical devices [2][3] - The lack of effective technical oversight in the medical insurance system has enabled these fraudulent practices to persist [3] Group 3: Proposed Solutions - To combat the misuse of medical insurance cards, a multi-faceted approach is necessary, including tightening regulations on medical device approvals and creating a negative list for borderline products [3] - Implementing big data technologies to monitor transaction patterns and establish an intelligent warning system is crucial for early detection of anomalies [3] - Strengthening social cooperation through regular inspections, reward systems for whistleblowers, and promoting self-regulation within the retail pharmacy industry can enhance compliance [3]