Recently, many medical insurance insured persons in Kunming, Yuxi, Chuxiong, Honghe and other places in Yunnan Province received a "reminder" text message. Someone clicked on the URL in the text message and followed the prompts, and the money in the bank card was inexplicably transferred away. Yunnan Provincial Medical Security Bureau reminds insured persons to be vigilant and not fall into the trap of scammers.
case: impersonating the Medical Insurance Bureau to send text messages to fraudulently
. SMS starts with "Yunnan Provincial Medical Insurance Bureau" and reminds the insured person that "your insured account has expired and will be disqualified from reimbursement. Please open a website before July 3, update the medical insurance certificate and resume use."
clicks the link in the text message, and the page jumped is very similar to the official website of the National Medical Insurance Bureau. Immediately, a notification pops up on the page, reminding the user that "due to the upgrade of the national electronic medical insurance system, please promptly apply for a new version of the electronic medical insurance card. If users who have not received it in time, the old version of the medical insurance card will be stopped."
Click the "Process Now" button on the notice, and the jumped page requires entering a name and ID number. After entering, it will prompt that the current electronic medical insurance card is an old version, and you need to bind a bank card or credit card to receive a new version of the electronic medical insurance card. The subsequent page requires entering the bank account number, account balance and mobile phone number.
A fraudulent insured person reported that after entering the mobile phone verification code as prompted, he immediately received the information that the bank card showed "self-service consumption without a card", and the money on the card was automatically transferred away.
In order to prevent more insured persons from falling into the trap, the Yunnan Provincial Medical Insurance Bureau issued an emergency reminder, stating that this type of notice was not sent in the form of text messages. Please do not believe it.
"The business management text messages sent by the medical insurance department will never attach any URL, and the cardholder does not need to enter any personal privacy information involving name, ID number, bank account number, etc. Do not trust unfamiliar phone calls and text messages, and do not disclose personal social security card , password, ID number and other privacy information." Wang Mei, director of the Fund Operation Monitoring and Evaluation Center of Yunnan Provincial Medical Insurance Bureau, said.
Wang Mei introduced that since this year, it is not the first time that criminals have used "default on medical insurance card" and other related information to send fraudulent text messages. The content of the text message has also evolved from "your medical insurance card has been deactivated" to "your insured account has expired and will be disqualified from reimbursement." But no matter how the content of the fraud changes, the most important thing when receiving similar text messages is not to believe it, click it, and do not operate it. If the insured has questions about his personal account or needs to understand the relevant medical insurance policies, you must check it through official channels.
"There are three online methods. The first method is to enter the Yunnan medical insurance mini program for inquiries; the second method is to query through the official website of the medical insurance department; the third method is to call the service hotline publicly disclosed by the medical insurance department. The offline method requires the insured to bring his ID card and social security card , and go to the handling window of medical insurance departments at all levels to inquire and handle it." Wang Mei said.
Investigation: Be careful that some citizens have been deceived
Officer Yang from the Criminal Investigation Brigade of Wuhua Branch of Kunming Public Security Bureau said that in early July, a man in the jurisdiction of the bureau called the police and said that he had received a text message saying that the medical insurance card had expired and needed to be reactivated, and also included a website. After the alarm caller clicked on the URL and entered, he followed the prompts and accidentally fell into the trap of the scammer.
"After the victim clicked on the link, the page jumped to a false website. He filled in his personal information, bank card number, and the bank verification code he received, and his money was transferred from the bank card, with a loss of about 5,000 yuan." Police Officer Yang introduced.
Citizen Ms. Li also received a similar text message saying that her medical insurance account has expired and needs to be reactivated. Ms. Li clicked the link in the text message and entered information such as ID number, bank card number and other information as prompted. In the end, her bank card was transferred to nearly 20,000 yuan. Mr. Lu was also fooled by
. After receiving the message that "the medical insurance card reimbursement qualification was cancelled", he was cheated of more than 10,000 yuan in accordance with the other party's requirements.
Officer Yang reminded, "Please be vigilant, pay attention to prevention, protect your own information and property security, do not click on unfamiliar links, do not disclose personal information, and SMS verification codes."
police officer introduced that the domain names of the websites of the formal National Medical Security Bureau end with nhsa.gov.cn, and the others are counterfeit. If you receive false medical insurance-related information or find a counterfeit website, you can complain to the "National Anti-Fraud Center" App.
"Inquiry of medical insurance information and handling medical insurance business, you must identify the official channels, log in to the official website of the National Medical Insurance Service Platform, the official website of the medical insurance department in the place of insured, and the official WeChat official account, call the medical insurance department’s public service hotline, or go to the medical insurance agency to handle the matter on-site." Officer Yang reminds that if you encounter abnormal personal medical insurance account information, please bring your ID card and medical insurance card to the medical insurance service hall of the insured place of insured consultation and processing. If you find that you have been cheated, call 110 in time or report to the public security organs.
Explanation of the law: medical insurance is mandatory and will not "lock the card" without verification.
In response to the recent fierce medical insurance fraud, Li Rui, partner and lawyer of Yunnan Shangshou Law Firm, said that these cases are relatively typical telecommunications network frauds in recent years that impersonate relevant government functional departments or relevant staff members and use citizens' trust in such state institutions. In recent years, with the development of technology and the use of a series of information technology, telecommunications and network fraud has been renovated and various, but it has never been separated from its roots. These methods and means will ultimately be attributed to "money".
In addition to medical insurance fraud, the most common ones include online shopping fraud, online ticket booking fraud, winning fraud, Trojan virus fraud, subsidy fraud, etc. These fraudulent methods can be prevented if the victim has a strong sense of identification and is highly vigilant about personal information and finance.
Medical insurance is mandatory as a social insurance. It is compulsory to participate in insurance based on the labor contract relationship. "Locking card" and other situations will not occur easily, and problems will be solved uniformly. Forced suspension of the insured person's medical insurance benefits will only occur if the insured person clearly violates the law or the rules. If the insured person is punished for illegal use of the social security card or illegal use, the parties will know in advance and will not be told to "deactivate" or "lock the card" without verification. In addition, the inability to reimburse in real time is mostly caused by untimely or interrupted medical insurance payments.
In addition, medical insurance is also cancelled. However, a relevant person in charge of the National Medical Insurance Administration said that canceling medical insurance certificates is an active behavior of the insured, and usually the insured person actively gives up the medical insurance relationship. In other words, if the medical insurance certificate is cancelled, the insured person himself must have known it and will not be cancelled by the relevant department without knowing it.
Previously, The Supreme People's Court , the Supreme People's Procuratorate, the Ministry of Public Security and other departments jointly issued the "Opinions on Several Issues Concerning the Application of Laws in Handling Criminal Cases such as Telecommunications Network Fraud", which clearly states that if the use of telecommunications network technology means to commit fraud, the value of public and private property is more than 3,000 yuan, the penalty can be imposed. If the value of public and private property is more than 500,000 yuan, the maximum life imprisonment can be imposed.
Li Rui reminds that if you are unfortunately cheated, please call the police immediately so that the public security organs can file a case as soon as possible; at the same time, pay attention to keeping relevant chat records, text message records, and transfer records, and collect and prepare evidence for future losses recovery. If you encounter a situation like this that requires cooperation in the name of a state agency, if you have any questions, it is recommended to directly verify on-site with the consultation window of the relevant government departments. Never cooperate with the other party to transfer or remit money without authorization without knowing the situation.
(Yunnan Political and Legal Media Center)
Source: Yunnan Chang'an.com
