Hello, I am fully responsible for the traffic accident, can I go to the medical insurance for my hos

Hello, if you are fully responsible, generally speaking, your personal hospitalization** expenses can be covered by medical insurance. The premise of reimbursement medical insurance in the event of a traffic accident is that the accident can only be reimbursed if it is determined that there is a self-borne responsibility, and the third party's liability part will not be reimbursed.

In accordance with the Social Insurance Law of the People's Republic of China.

Article 30 of the exemption regulations, should be borne by the third party of the medical expenses, not included in the scope of payment of basic medical insurance**. However, if the third party does not pay or cannot be determined, the basic medical insurance ** pays in advance, and the basic medical insurance ** has the right to recover from the third party afterwards.

Article 30 The following medical expenses are not included in the scope of payment of basic medical insurance**: (A) shall be paid from the work-related injury insurance**; (2) It shall be borne by a third party; (3) shall be governed by public health.

burdensome; (4) Seeking medical treatment outside the country. Medical expenses shall be borne by the third party in accordance with the law, and if the third party does not pay or the third party cannot be determined, the basic medical insurance shall pay in advance. After the basic medical insurance** is paid in advance, it has the right to recover from a third party.

1.From the definition point of view, accidental injuries caused by others (third parties), such as being hit by a car, being injured by a high-altitude projectile, etc., are not covered by medical insurance.

can only find a "third party" for compensation. However, the law also takes into account the actual situation, if the third party does not pay, the medical insurance can pay first, and then recover from the third party. However, in practice, if you need to pay for medical insurance in advance, you need to apply in writing to the local social security agency.

This process can be imagined to be relatively slow, after all, no one wants to do the recovery thing.

2.By definition, medical insurance can reimburse accidents caused by oneself (not a third party). For example, personal accidental falls, burns.

can be reimbursed.

3.If there is both one's own responsibility and the responsibility of others, and there are multiple responsibilities, the relevant departments can determine that they can reimburse the part of the medical expenses for which they are responsible. In addition, if the third party fails to compensate in full after the court judgment, the remaining part of the medical insurance can be reimbursed.

But the rules are different in each city, and this one is more complicated.

4.Can medical insurance reimburse traffic accidents that occur because of one's own responsibility? It varies from place to place, some do not give reimbursement, and some hospitals clearly write that "traffic accidents cannot go to social security".

In addition to the Social Security Law.

Article 30 stipulates that concealment of fraud, intentional crime, and drunk driving.

Accidents caused by suicide, fighting, drug abuse, and alcohol abuse are not covered by medical insurance, and such illegal acts are also not covered by commercial insurance.

Within the scope of reimbursement.

Hope mine can help you!

If you have purchased social insurance, you can use medical insurance in the case of outpatient and inpatient conditions, but the outpatient medical insurance must be in a designated hospital, and the hospitalization situation is not limited to the designated hospital, and non-designated hospitals can also use medical insurance. And the use of medical insurance in hospital has nothing to do with your full responsibility in the accident.

When hospitalized, fill in the relevant hospitalization form according to the doctor's prompts, and provide the ID card and medical insurance card to the hospital, and the hospital will directly do the relevant procedures on the system; The daily expenses during the hospitalization will be given to you a list of expenses the next morning, the list has listed the amount of the public account and the individual payment part, until the time of discharge, there will be a total cost settlement list, counting the total amount of the public account and the total amount of personal payment and the minimum amount. These have already been settled when the discharge procedures are completed, and there is no need to go to the relevant part for reimbursement after discharge.

Hello, Hangzhou traffic accident lawyer will answer for you: in principle, no. No way! Traffic accidents are not covered by medical insurance! If you are injured in a traffic accident, you can only go through the channel of compensation for the aftermath of the accident, not medical insurance. Once discovered, it will be dealt with as insurance fraud.

Accidental medical expenses caused by traffic accidents cannot be covered by medical insurance.

You are fully responsible for the traffic accident, can you take medical insurance for your hospitalization ** fee? Regardless of whether you are fully responsible or not, as long as you are hospitalized, then you can take a pack.

1. Can I use medical insurance for hospitalization with full responsibility for traffic accidents?

1. Hospitalization with full responsibility for traffic accidents cannot be covered by medical insurance. The medical expenses caused by the injury caused by the fault of the traffic accident are not included in the scope of basic medical insurance**, and the medical insurance department must reimburse the medical expenses.

2. Legal basis: Article 30 of the Social Insurance Law of the People's Republic of China The following medical expenses are not included in the scope of payment of basic medical insurance**

1) It should be paid from work-related injury insurance**;

2) It should be borne by a third party;

3) should be borne by public health;

4) Seeking medical treatment abroad. The cost of medical treatment shall be borne by the third party in accordance with the law, and if the third party does not pay or the third party cannot be determined, the basic medical insurance shall pay in advance. After the basic medical insurance** is paid in advance, it has the right to recover from a third party.

2. What is the standard of compensation for traffic accidents?

1. Personal injury compensation items and standards: The compensation obligor shall compensate for the various expenses incurred due to medical treatment and the income lost due to lost work, including medical expenses, lost work expenses, nursing expenses, transportation expenses, accommodation expenses, hospital meal subsidies, and necessary nutrition expenses;

2. Disability compensation items and standards: the necessary expenses incurred due to the increase in living needs and the loss of income caused by the loss of working ability, including disability compensation, disability assistive device expenses, living expenses of dependents, as well as necessary expenses, nursing expenses, and follow-up expenses actually incurred due to nursing care and continuation, the compensation obligor shall also compensate them;

3. Compensation items and standards for death: In addition to the relevant expenses specified in the compensation according to the rescue situation, the compensation obligor shall also compensate for the funeral expenses, the living expenses of the dependents, the death compensation expenses, and other reasonable expenses such as transportation expenses, accommodation or accommodation expenses, and loss of work incurred by the victim's relatives in handling funeral matters.

It is estimated that if the medical expenses are reimbursed by medical insurance, the reimbursement rate is still relatively low. It's not like the accident insurance that an individual buys to reimburse as much. And the reimbursement also has a minimum amount, if it does not exceed 2000 yuan, it will not be reimbursed, and it also depends on what kind of surgery is done, if it is some relatively small surgery, the reimbursement ratio is even lower.

If you rely on this ordinary domestic medical insurance to reimburse, it is estimated that you will not be reimbursed much.

If there is an employee medical insurance, it may be reimbursed a little more. However, many people do not have employee medical insurance, and at this time you can buy yourself a commercial medical insurance, because commercial medical insurance reimburses more. If you are not in good health, you can really buy this kind of commercial medical insurance, so that you don't have to worry about spending too much when you are in the hospital, because there are still many types of commercial medical insurance reimbursement.

And being able to buy such a commercial medical insurance for yourself is more like a kind of serious illness accident insurance, and if you have a serious illness, you also have a dependence. This kind of insurance is still relatively reliable, but if you want to buy this kind of insurance, you must buy it in some of the more well-known insurance companies. It's like a Chinese life insurance company.

Or the Chinese Property Insurance Company. These companies are very well-known in the industry, and they don't have too many excuses when it comes to making claims. If you go to those small insurance companies, you may have a lot of excuses not to make a claim.

So be sure to find a reliable company.

When you buy this kind of medical insurance, you should also inquire more, because each claim is different and the amount of reimbursement is different, so you still have to check the specific terms of the insurance, so that you will not be deceived. Don't take the salesman's word for it, it's better to look at the terms of the insurance yourself.

Medical expenses can also be reimbursed by medical insurance, and if you are fully responsible for traffic accidents, some medical expenses incurred by individuals can be reimbursed by medical insurance.

Answer: Hello, the medical insurance of social security does not reimburse traffic accidents, and can only be compensated by the party responsible for the accident, but medical insurance can reimburse part of the money for drugs. In practice, after a traffic accident occurs, it is generally treated as a motor vehicle traffic accident, and it is difficult to find the perpetrator to compensate, which is difficult to be reimbursed in the medical insurance, and it is difficult to reimburse part of the responsibility in the traffic accident, and it is also difficult to reimburse the medical expenses borne by oneself in the medical insurance.

Hope it helps.

Of course you can, as long as you buy the relevant insurance, then in the event of an accident, of course, you can use the insurance to reimburse.

If you participate in medical insurance, your medical expenses can be reimbursed by medical insurance performance, so you can relieve some of your pressure.

Medical expenses can be reimbursed by medical insurance, as long as you have an injury or need **, you can use medical insurance to reimburse.

You are solely responsible for traffic accidents, medical expenses and medical insurance. Only a portion of the reimbursement can be made.

Reimbursement is possible. Medical insurance reimbursement items.

1. General medical insurance.

This includes outpatient expenses, medical expenses, examination fees, etc.

2. Hospitalization insurance.

Daily hospitalization expenses, hospital equipment expenses, surgery expenses, medical expenses, etc. 3. Surgical insurance.

Cover all costs incurred as a result of the necessary surgeries performed by the patient.

4. Comprehensive medical insurance.

The scope of expenses includes everything from medical treatment to hospitalization and surgery.

Summary. Hello, you can't take medical insurance if you are fully responsible for traffic accidents, usually the medical expenses of traffic accidents belong to the third party responsibility of traffic accidents, and medical insurance cannot be reimbursed. If the party involved in the car accident is fully responsible and the party is injured, the medical insurance reimbursement process can be followed if the medical insurance reimbursement conditions are met.

Hello, you are fully responsible for traffic accidents and you can't take the limb of medical insurance, usually the medical expenses of traffic accidents belong to the third party responsibility of traffic accidents, and the medical university can not be reimbursed. If the party involved in the car accident is fully responsible and the party is injured, the medical insurance reimbursement process can be followed if the medical insurance reimbursement conditions are met.

Legal basis: Article 28 of the Social Insurance Law of the People's Republic of China conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and medical expenses for emergency and rescue, and shall be paid from the basic medical insurance in accordance with national regulations. Article 29 of the Social Insurance Law of the People's Republic of China stipulates that the part of the medical expenses of the insured persons that should be paid by the basic medical insurance shall be settled directly by the social insurance agency and the medical institution and the Yaochun Sun product business unit.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses for medical treatment in other places to facilitate the insured to enjoy basic medical insurance benefits.

If the traffic accident is my main responsibility, can I apply for medical insurance?

If it is the other party's medical expenses, it cannot be reported for medical insurance.

It is our own injury that we are primarily responsible.

The other party is secondarily responsible.

No, it is not eligible for medical insurance reimbursement.

Can't we pay for our own share?

If you are responsible for the part, you can find medical insurance for reimbursement.

The traffic accident is fully responsible for the medical expenses caused by the injury caused by their own fault, which is not included in the scope of payment of the basic pure medical insurance, and the medical insurance department must reimburse the medical expenses.

It depends on whether you have insured.

There are many types of car insurance, and compulsory traffic insurance is the most basic, and it is also the type of insurance that must be insured when the vehicle is on the road.

And the three insurance, that is, we often say one million, two million insurance, that is actually paid to others, for example, you said that in this accident, you are the main responsibility, then the compensation to the other party, the main is the three insurance, therefore, the insurance amount of this insurance is as high as possible, to afford the accident liability, finally, the car member insurance is to pay for our own, and it is also the only insurance that can pay to the occupants of our car.

Therefore, the answer to the question is very clear, as long as you have purchased car occupant insurance, then you can make a claim to the insurance company normally. If you are not insured for this insurance, the insurance company will not pay you for the cost of hospitalization due to the accident.

It depends on why you got into a traffic accident, and if it is drunk driving, then the insurance company will not compensate you. They all have regulations for the insurance they pay, some can be compensated, and some are not, which needs to be appraised by them.

If you don't have this own insurance, it's seat insurance. Then the insurance company will not pay the money for your injury and hospitalization. Unless you have an accident insurance policy on your own.

You are fully responsible for the accident, and the insurance company of the other party's vehicle shall bear the responsibility within the limit of the non-liability compulsory traffic insurance, and the general medical expenses are limited to 1,800 yuan. If your vehicle is insured by occupant liability insurance, your insurance company will cover it within the limits of the occupant liability insurance mentioned above.