Core Viewpoint - The article highlights the ongoing misuse of medical insurance cards in China, where non-medical products are being fraudulently classified as medical devices to allow consumers to purchase them using their insurance funds, despite regulations prohibiting such practices [1][3][5]. Group 1: Misuse of Medical Insurance Cards - Various stores are openly promoting the ability to use medical insurance cards for purchasing everyday items like toothbrushes and skincare products, which are not intended for medical use [3][7]. - Consumers have reported finding guides online that instruct them on how to exploit their insurance cards for non-medical purchases [3][7]. - The Chinese Social Insurance Law explicitly states that medical insurance funds should only be used for medical-related expenses, yet violations continue to occur [5]. Group 2: Specific Examples of Misclassification - In multiple pharmacies, items such as dental cleaning devices and "medical toothbrushes" are sold, which are essentially regular products but labeled differently to qualify for insurance payments [9][10]. - A pharmacy in Chengdu allowed the purchase of contact lenses labeled as medical devices, despite official confirmation that they should not be eligible for insurance payment [12][14]. - Products like sunscreen sleeves and masks are being marketed as "medical isolation pads" to enable insurance payment, despite their actual use being for sun protection [22][23][33]. Group 3: Company Practices and Financial Implications - Companies are taking advantage of the loophole by branding everyday items as medical devices, thus increasing their market share and profits, with one company reporting a contract worth 90 million yuan for such products [29][31]. - The practice of selling "medical skincare products" in pharmacies is prevalent, with companies reporting significant sales figures, indicating that a large portion of their revenue comes from insurance payments [37][45][53]. - In one case, a company revealed that approximately 60% of its sales in a specific region were made using medical insurance cards, amounting to around 6 million yuan being drawn from consumer insurance funds [53].