"The main contract is invalid, and so is this contract." It means that additional risks must be attached to the main risks. If the main insurance fails, the additional insurance cannot remain effective alone. However, in this case, if the insurance company does not terminate the contract due to violation of regulations, and the insured accident is within the insurance period, then both the main insurance and the additional insurance are effective.

"If there is a conflict between the main contract and this contract, this contract shall prevail." This means that if there is a conflict between the main insurance and the additional insurance, the additional insurance shall prevail. This is only an explanation of vague terms, because some main risks may not be covered, but the additional risks shall prevail.

"For the insured's non-therapeutic behaviors such as health care, the company is not responsible for paying insurance benefits" means that it does not pay the expenses related to nursing (such as oral care), but only pays the expenses incurred by therapeutic behaviors (such as medicine expenses and surgery expenses).

Because accidental injury refers to external, sudden, unintentional and non-disease objective events that harm the body. You are insured because of an accidental nasal bone fracture, but you need to meet certain conditions before you can pay. Insurance liability will generally be clearly stipulated in the terms (taking an additional accidental injury medical insurance of China Life as an example), as follows:

During the insurance period of this supplementary contract, the insured suffers from accidental injury and receives treatment in a second-class hospital or other medical institution recognized by the Company. For the medical expenses incurred by the insured in each accidental injury that meet the payment scope of local social basic medical insurance and are actually paid, after deducting the part that has been compensated or paid by local social basic medical insurance and public medical insurance and the deductible agreed in this supplementary contract, the Company will pay the remaining medical expenses according to the payment proportion agreed in this supplementary contract. The deductible and payment proportion of medical insurance premium shall be determined by the insured through consultation with the Company according to whether he participates in local social basic medical insurance and public medical insurance, and shall be specified in the insurance policy.

So we need to pay attention to the following points:

First, this clause clearly stipulates whether medical institutions meet the requirements, and Union Medical College Hospital should meet the requirements.

Second, the scope of reimbursement is limited to the scope of social basic medical insurance payment, and different clauses have different deductibles and deductibles.

Third, if there is social security, the reimbursement of commercial insurance is only the balance after social security reimbursement, and multiple reimbursements are not allowed.

Fourth, the exemption clauses of general medical insurance all include: "cosmetic or plastic surgery that the insured does not cause due to accidental injury", but the medical treatment of accidental injury is limited to paying the medical expenses caused by accidental injury, and there is no such exemption, so the cosmetic or plastic surgery caused by accidental injury belongs to the scope of compensation.