#不要外借医保卡
从去年到现在，陆续碰到一些因外借医保卡而造成的投保困难。
你外借医保卡后，产生的就医行为，是算在你身上，就判定你有这个病，即使你没有。
坦诚说，买点发烧感冒拉肚子的常见药，对买保险影响不大。
但常见的重灾区，是买了高血压、糖尿病、心脏病等慢性病甚至重病的药。
绝大多数保险公司，对医保卡外借，是直接拒保，根本不给解释和自证的机会。
原因很简单，在保险公司看来，你能无视国家医保相关规定，未来也就有可能想方法弄保险公司，你的道德风险过高，就不跟你玩了。
确实也有些保险公司可以承保，但是需要连续多年的医疗材料，以及重新体检，视材料内容而定结论。
为了投保顺利，请大家珍惜自己的就医记录，不要外借医保卡。
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