Legal analysis: The scope of medical insurance reimbursement includes: 1. Medical expenses during the rescue period 2. Medical expenses during hospitalization 3. Surgical materials and auxiliary equipment 4. Bed fees: according to local medical insurance standards. Exceptions are made for those who are comatose due to acute brain injury or compound visceral injury and need to be admitted to the ICU (Intensive Care Unit), but they should be transferred to a general ward immediately after being out of danger. 5. Rehabilitation physiotherapy fees: according to local medical insurance standards. In principle, there should be no more than 3 types. Rehabilitation physiotherapy outside the scope of medical insurance will not be compensated. 6. Dressing changes and rehabilitation function guidance training: determined according to local medical insurance standards and combined with the needs of the condition. 7. Ambulance fees: according to the standards approved by the local health department and price department. Calculation 8. Other expenses: Expenses that are not compensable in accordance with the "Urban Employees Social Medical Insurance Policies, Regulations and Questions and Answers" will not be compensated. 9. Renewal medical expenses: The insured is willing to settle the case in advance, and it is certain and necessary for the injured in the future. Renewal medical fees can be paid in advance. The doctor in charge must have a clear record on the discharge certificate or diagnosis certificate that the patient needs to continue treatment or to remove the internal fixation after half a year or one year or to have a regular review or record the cost of follow-up treatment. At the same time, the compensation payment certificate provided by the insurance records that the payment has been made. Only after the follow-up expenses have been paid can the renewal medical expenses be reviewed. The review of continued medical expenses will be based on the needs of the patient's condition, and no compensation will be given if the medical expenses are obviously in excess of the needs of the patient's condition.

Legal basis: "Social Insurance Law of the People's Republic of China"

Article 2 The state establishes basic pension insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc. The social insurance system guarantees citizens’ rights to obtain material assistance from the state and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Article 26 The treatment standards of the basic medical insurance for employees, the new rural cooperative medical insurance and the basic medical insurance for urban residents shall be implemented in accordance with national regulations.

Article 28 Medical expenses that comply with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue expenses shall be paid from the basic medical insurance fund in accordance with national regulations.