Can accident insurance and medical insurance be reimbursed at the same time?

We all know that people think a lot about their own safety, accident insurance, and it is also a must-have insurance for everyone now, what we need to understand isAccident insurance and medical insurance are fully reimbursable at the same time

The accident medical insurance in the accident insurance is specially designed to solve the reimbursement of the expenses of the insured for the injury caused by the accident, and if the insured unfortunately occurs due to an accident and the injury is more serious, this insurance can also be used for reimbursement. The coverage of hospitalization medical insurance is relatively broader, and if the insured is hospitalized**, it can be paid according to the proportion of the policy, but the specific amount of compensation needs to refer to the terms and conditions.

But we need to pay attention to the fact that it is best to reimburse accident insurance first, and then reimburse medical injury insurance, so as to maximize the benefits, I hope everyone can know this, and at the same time, we have to say that we all know that people now attach great importance to their physical health, people's living standards are constantly improving at the same time, prices and medical expenses are also obvious, now everyone is equipped with enough insurance, if they have not yet configured insurance, It's best to buy a copy so that you can better solve the problem when the danger comes, and hopefully everyone will have an understanding of the matter.

At the same time, we need to pay attention to the fact that we must learn to ensure our own safety in daily life, because we all know that we never know which will come first tomorrow or the accident, if the accident can be prevented before it comes, it is the best way to solve it, and we also believe that more and more people will be able to take the initiative to buy a commercial insurance. From this incident, we can also see that insurance is beneficial and harmless for our personal life, and we also hope that more and more people can take the initiative to allocate insurance.

Of course, it is not possible to reimburse at the same time, because the two types of insurance are conflicting, so you cannot take two payments at the same time.

Accident insurance and medical insurance can be reimbursed at the same time, because the two types of insurance are not related, so you can get two claims at this time.

It should not be reimbursed at the same time, and only one of them can be selected under normal circumstances, so you should also avoid buying heavy insurance when buying insurance.

The insurance liability for accidental injury is accidental death, disability, accidental hospitalisation** and accidental hospitalization benefit.

Accidental injury hospitalization can also be reimbursed by medical insurance.

The two insurances cannot be stacked, and no matter how high the sum insured is, the benefit amount will not exceed the cost of the illness**.

No, according to some laws, you can only choose one reimbursement one, which is also very fair for insurance.

Medical insurance and accident insurance can be reimbursed at the same time, and the two have different protection responsibilities, so there is no conflict. However, the sum of the maximum payouts will not exceed the total cost of your medicine**. Because the state has a regulation called the "non-profit principle", that is, the compensation of insurance reimbursement cannot generate profits.

If the insured person suffers an accidental injury, he can apply for compensation from the accident insurance; At the same time, go to the hospital for ** and reimburse the medical expenses through medical insurance. The same is true for commercial medical insurance, where the insured can go to a designated medical institution for a claim after applying to the insurance company for an accident injury.

Commercial medical insurance can reimburse the reasonable and necessary medical expenses incurred by the insured person due to an accident to the hospital** according to the contract. However, if you go to the hospital** because you are sick, you can be reimbursed by medical insurance, but you will not be covered by accident insurance.

After all, accident insurance mainly provides protection against accidental injuries suffered by the insured. After you have taken out medical insurance, you can take out an accident insurance to get accident protection; Or you can also take out a commercial medical insurance as a supplement, as long as the economic conditions allow, and this protection will naturally be more comprehensive.

Extended information: 1. Commercial accident injury medical insurance is used for reimbursement in the case of accidental injury, which is divided into outpatient and inpatient.

2. Hospitalization medical treatment is used to reimburse the expenses incurred during hospitalization when the insured needs to be hospitalized due to accidents, illnesses and other reasons. In the case of outpatient treatment due to an accident, the insured can only be reimbursed by accidental medical treatment.

3. In the case of hospitalization due to an accident, both can be reimbursed, but the total amount shall not exceed the actual expenses and shall not exceed the sum of the maximum amount of the two. The insurance company is not liable if the insured only has an outpatient visit due to non-accidental reasons. If the insured is hospitalized due to non-accidental reasons, he or she can use hospitalization for medical treatment, and part of the insurance cost can be used.

Accident insurance and medical insurance can be reimbursed at the same time. Because one is basic insurance, and the other is commercial insurance. However, the order is still very particular when it comes to reimbursement.

So it's not very cost-effective. If the accident insurance is reimbursed first, the medical insurance will not deduct the part of the accident insurance. So maybe you can get some more money in addition to reimbursement.

Nowadays, many people have accident insurance and medical insurance, because these two insurances are relatively basic insurance. Most people will buy it.

Some people work in some of the more dangerous outdoor jobs, and they will definitely buy accident insurance. Although accident insurance will feel a little worthless when you buy it every year. But once you want to use it, it's very useful.

It's like my family, when I used to work outdoors. I accidentally injured my foot. But because there is accident insurance.

So all his hospitalization expenses were reimbursed. Plus the medical insurance reimbursement, he may get some more money. But this accident insurance audit is also very strict.

In order to prevent someone from cheating the insurance, he will let you take pictures of the ** of the place of the incident, as well as the ** of the hospital bed. Therefore, it is best to reimburse when you are in the hospital, so that you can also take some **. If you go for reimbursement after being discharged from the hospital, there may be no evidence.

In addition to these, he will also ask you in detail about the injury. It is to prevent someone from cheating the insurance.

It's not that such people don't exist. They said they had been injured in an accident, and then they had a fake wound, and they wanted insurance to reimburse them. So these are all things that some insurance companies need to guard against.

He: When we are looking for accident insurance, we must look for accident insurance from some large companies. If it's a small company, they will excuse themselves and won't pay a claim for various reasons. Large companies are still more reliable.

Yes, medical insurance is reimbursed, while accident insurance is required to be compensated by the insurance company, so both can be used at the same time.

Yes, because the two insurances themselves are not the same insurance, and since these two insurances can appear at the same time, they can be purchased and reimbursed at the same time.

Of course, yes, these two types of insurance are not the same, so they can be reimbursed, after all, it is completely possible to do so if you also pay two types of premiums.

It can be reimbursed at the same time.

1. Social security: There is a clear division of accident insurance, which must be complied with in accordance with the conditions of the "Measures for the Administration of Accidental Injury Insurance of Social Medical Insurance", and the following situations can be compensated:

1) Accidents that occur without the responsibility of any person;

2) Bear part of the accidental injury as determined by the relevant departments;

3) After the court ruling, if the responsible person cannot compensate in full, the accident can be reimbursed through social security;

2. Commercial accident insurance: As long as it meets the requirements of external, sudden, unintentional and non-disease that affects people's body or life safety, commercial accident insurance can be compensated.

Since social security is a national welfare, and commercial accident insurance is a profit-making nature of the insurance company, under reasonable circumstances, accident insurance and social security can be reimbursed at the same time, and the reimbursement of both parties will not be affected.

Additional Information:1The basics of accident insurance.

The insured pays a certain amount of insurance premiums to the insurer, and if the insured suffers an accidental injury during the insurance period and uses this as a direct or proximate cause to cause death, disability, medical expenses or temporary incapacity for work within a certain period of time from the date of the accidental injury, the insurer shall pay the insured or its beneficiary a certain amount of insurance money.

2.Accident insurance coverage.

1) Death benefit.

2) Disability benefits.

Accidental death benefit and accidental disability benefit are the basic responsibilities of accident insurance, and their derivative liabilities include medical benefits, lost work benefits, funeral expenses and living expenses payments.

3.Features. 1) Payment of insurance premiums.

In the event of an insured event, the death insurance benefit is paid according to the agreed insurance amount, and the disability insurance is mostly paid according to a certain percentage of the insured amount.

2) Basis for calculating premiums.

The pure premium of accident insurance is calculated based on the loss rate of the insured amount, and this method believes that the probability of the insured suffering from an accident depends on his occupation, type of work or activity to be carried out, and when all other conditions are equal, the higher the degree of risk of the insured's occupation, type of work and activities engaged, the more insurance premiums should be paid.

3) Duration of insurance.

Accident insurance is for a shorter period of less than one year, with a maximum of three or five years.

4) Liability reserves.

The year-end liability reserve is calculated as a percentage (e.g., %) of the premium income for the year, which is the same as for property insurance.

No. All insurance can only reimburse the amount of one occurrence, and other commercial insurance claims are the remaining part after the medical insurance reimbursement, and will not pay the reimbursed part again.

Answer: Hospitalization medical insurance and accident medical insurance are not in conflict, the accident medical insurance in the accident insurance is specifically to solve the cost reimbursement of the insured's injuries caused by accidents, assuming that the insured is unfortunate due to an accident and the injury is more serious, then it can be reimbursed with this insurance. The coverage of hospitalization medical insurance is relatively wider, whether it is because of illness, accident and other risks, the main insured is hospitalized to accept **, you can be reimbursed according to the proportion, and the specific need to refer to the terms and conditions.

Therefore, consumers should understand the contract terms of the product separately before purchasing these two types of insurance, and some insurance companies have provisions in the contract terms that assuming that the insured is injured due to an accident, the accidental medical insurance can only be reimbursed.

10,000, and hospitalization can only be compensated.

5000, but the cost of tens of thousands, can be paid proportionally, but less than this amount, you have to be compensated according to liability.

In addition, the products of some insurance companies stipulate that the cost of drugs will not be reimbursed, so consumers must understand the specific matters of the contract clauses.

Therefore, there is no conflict between hospitalization medical insurance and accident medical insurance, but the reimbursement of the two will not exceed the entire medical expenses of the insured in the hospital.

If this can be reimbursed at the same time, you can go to the medical insurance first, and after the report, you can open a split order and report it to the insurance company.

Accident insurance and medical insurance can be reimbursed at the same time, as long as there is a hospital invoice or receipt, you can take it to the medical insurance center for reimbursement, so you can be reimbursed at the same time!

It is generally recommended to go to the medical insurance first, and after the medical insurance is settled, the self-payment part will be reimbursed through the accidental medical treatment in the accident injury insurance, which is to solve all your medical expenses to the greatest extent.

Accident insurance and medical insurance can be reimbursed at the same time, and the hospital's invoice can be taken.

In the event that the insured person is admitted to the hospital due to an accident, then the medical insurance and accident insurance can be reimbursed at the same time. Accident insurance is a commercial type of insurance, and when the insured suffers an accidental injury, then the company has to pay compensation in accordance with the contract. Medical insurance is a national insurance that every citizen should go for, and he can ensure that we have a certain amount of protection for major surgeries.

And there are different differences, so I'll talk to you about them here today. What's the difference?

1. According to the different degrees of accidental injuries, the differences are different.

In the case of accidental injury, medical insurance is divided into two types of reimbursement by insurance companies, one is outpatient and the other is hospitalization, and if the insured is admitted to the hospital because of serious injuries such as accidents and diseases, then the expenses incurred in the hospital can be reimbursed at the same time as the accident insurance. If it is only an outpatient clinic or a minor injury such as a bruise, then the accident insurance cannot be effective, and you can only use medical insurance to reimburse it. If the insured is admitted to the hospital for non-accidental reasons, the insurance company will not bear the corresponding responsibility, and the insurance contract will not come into effect, so the patient can use inpatient medical treatment to reimburse part of the expenses incurred during the hospitalization.

2. Characteristics of accident insurance.

When the accident occurs and the Baoyuan dies, then the compensation will be paid according to the death insurance of the contract, and if it is disabled, it will be paid according to a certain percentage. And the accident insurance is also divided into work, the higher the degree of risk, then the more insurance premiums should be paid, because the higher the degree of danger, then these people will be more likely to be injured or killed, so the insurance company will charge the insurance premium corresponding to the degree of danger of the job. Accident insurance is relatively short-lived, generally three to five years, and most of them are one year.