Ordinary accidental injuries are within the scope of medical insurance reimbursement, but fights, traffic accidents, suicide and self-harm, work-related injuries and accidental injuries of responsible parties are not within the scope of medical insurance reimbursement. Within the scope of reimbursement of the new rural cooperative medical system, the reimbursement proportion of the new rural cooperative medical system is less than 50 thousand yuan, and compensation is made according to the proportion stipulated by the corresponding medical institutions, and so on.
Can medical insurance and accident insurance be reimbursed at the same time?
Medical insurance and accident insurance can be reimbursed at the same time, with different responsibilities and no conflict.
For example, if the insured encounters accidental injury, he can apply for accident insurance compensation; At the same time, go to the hospital for treatment and reimburse medical expenses through medical insurance.
The same is true of commercial medical insurance. After the insured applies for compensation from the accident insurance company for accidental injury, he can go to the designated medical institution for treatment. Commercial medical insurance can reimburse the reasonable and necessary medical expenses incurred by the insured in hospital treatment due to accidents in accordance with the contract.
However, if you go to the hospital for treatment because of illness, you can reimburse it through medical insurance, but you can't get compensation for accident insurance. After all, accident insurance mainly provides protection against accidental injuries suffered by the insured.
For example, after you have insured medical insurance, you can apply for an accident insurance to get accident protection; Or take out a commercial medical insurance as a supplement. As long as the economic conditions permit, the protection will naturally be more comprehensive.
I hope the above content can help you. Please consult a professional lawyer if you have any other questions.
Legal basis: According to Article 30 of People's Republic of China (PRC) Social Insurance Law, the following medical expenses are not included in the payment scope of the basic medical insurance fund:
(a) shall be paid by the industrial injury insurance fund;
(2) It shall be borne by a third party;
(three) shall be borne by public health;
(4) Go abroad for medical treatment.