First of all, the medical insurance of the insurance company's personal insurance is established according to the "compensatory principle", that is to say, the medical insurance can't apply for claims for profit, and the insurance company can't make repeated claims when the beneficiary receives the full payment from the third party (the original medical invoice must be provided in the application materials of the insurance company's medical insurance claims, thus avoiding the hidden danger of repeated reimbursement); Secondly, it is another question whether the so-called disability of the insured belongs to the disability standard agreed in the insurance contract. There is a certain difference between the disability standard in accident insurance of insurance companies and the social industrial injury disability standard. If the "mild disability" caused by this accident does not meet the disability standard in the insurance clause, the insurance company will not compensate.