How to buy accident insurance with medical insurance, and how to pay medical insurance accident insu

First of all, social medical insurance has set up a "starting line" for the use of hospitalization expenses, and the amount within the minimum payment line is the self-payment segment, and 85% of the amount above the starting line is paid by the social pool, and the remaining 15-20% is paid by the individual. This shows that even if you have social medical insurance protection, some of the risks still need to be borne by yourself; Secondly, the social medical insurance stipulates that the pooling, additional, and personal account funds will not be paid for the following situations, such as suicide, self-harm, fighting, drug abuse, medical accidents or medical expenses incurred due to traffic accidents. For example, Mr. Wang's 6,000 yuan of medical expenses incurred due to traffic accidents must be paid by individuals, and cannot be paid by co-ordination**, additional** and personal account funds.

In the case that social insurance cannot be completely solved, in order not to affect the normal quality of life and not disrupt the normal financial arrangement, it is necessary to purchase commercial medical insurance to supplement it. Judging from Mr. Wang's current salary level, it is very necessary to spend a part of his money every year to purchase commercial insurance for accidents and diseases, such as accident insurance and accident injury medical insurance portfolios, critical illness insurance and hospitalization subsidy insurance portfolios. In this way, the part that social medical insurance cannot bear can be borne by commercial insurance, and with perfect medical protection, we can truly eliminate worries.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

Rural accident insurance.

That is, NCMS.

Accident insurance is an accident disability and death protection product designed by the state for rural residents, and it is also a supplement to the medical treatment of the new rural cooperative medical system, which is to fill the gap in the accident protection of rural households, and the rural accident insurance is a subsidy of 70 yuan, 30 yuan at personal expense, and commercial insurance.

A kind of Huimin insurance underwritten by the company.

How to pay online payment for rural accident insurance?

With the development of the Internet and the popularity of mobile phones, now rural accident insurance can also be paid online, and can be paid through WeChat and Alipay, the specific process is: open the relevant rural medical insurance on WeChat or Alipay.

The online payment system, and then log in, and fill in the relevant information, you can pay directly, it should be noted that the payment time is generally when we pay rural medical insurance is based on the payment of fees to determine the guarantee time, but when we need to pay compensation, we need to declare before April of the following year, otherwise it will be closed, resulting in the inability to declare.

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Accident insurance is not included in medical insurance. Medical insurance is a type of insurance that compensates for the medical expenses incurred by illness. Social insurance is a social insurance in which an employee is provided with necessary medical services or material assistance by the society or enterprise when he or she is sick, injured or gives birth.

The medical expenses of Chinese employees are jointly borne by the state, units and individuals, so as to reduce the burden on enterprises and avoid waste.

The scope of medical insurance is very wide, and medical expenses are generally differentiated according to the characteristics of medical services, mainly including doctors' outpatient expenses, medicine expenses, hospitalization expenses, nursing expenses, hospital miscellaneous expenses, surgery costs, various examination costs, etc. Medical insurance is mainly responsible for medical expenses and is not responsible for accidents.

The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to ensure citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth. The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with national regulations.

Generally speaking, life insurance, personal accident insurance, and health insurance are all life insurance, while medical insurance is a type of health insurance, therefore, there is no concept of medical insurance including accident insurance, and there is no concept of accident insurance including medical insurance. However, accident insurance generally includes accidental medical coverage, and some medical insurance can reimburse the insured for reasonable and necessary medical expenses incurred due to illness or accident, depending on how the insurance contract is agreed.

Legal basis

Article 23 of the Social Insurance Law of the People's Republic of China stipulates that employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the state. Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

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 emergency and rescue medical expenses, in accordance with national regulations from the basic medical insurance **.

1. There are two types of accidental medical treatment:

Only within the scope of social security. Only the expenses within the scope of the social security catalogue will be reimbursed, and some imported equipment and drugs that are not in the social security catalogue cannot be reimbursed;

There is no limit to social security coverage. There is no limit to the scope of reimbursement, as long as it is reasonable and necessary, it can be reimbursed.

2. How to buy accident medical insurance for adults?

Adults' income is crucial to the family's financial situation, it is recommended to focus on the amount of accident insurance, the accident medical part is not the focus of attention, the purchase of accident insurance can only be reimbursed within the scope of social security, to ensure that there is a high amount of insurance is good.

3. How to buy accident medical insurance for the elderly and children?

For children and the elderly, since there are no family responsibilities, it is recommended to focus on the accidental medical part when purchasing for them, and the sum insured is not the core.

Extended information: 1. Accident medical insurance is mainly to protect the insured for reasonable and necessary medical expenses caused by accidents agreed in the insurance contract during the insurance period, and the insurance company will bear the corresponding insurance payment liability according to the insurance contract within the agreed coverage and insurance amount.

2. When designing such products, insurance companies use this as the standard to exclude medical expenses caused by diseases and personal constitution. This is why many people wonder why heat stroke is not covered by accident medical insurance. In addition, when the insurance company specifies the claim standard, the medical institution and the scope of medication specified by the medical insurance are used as the claim standard.

Imported drugs and at some non-social security designated medical institutions** are not covered by the insurance.

3. If the insured suffers an accidental injury in the company's designated hospital (see the definition for details of the hospital scope)**, or rescues in the nearest hospital (the insured must be transferred to the company's designated hospital after the condition is stable), the reasonable medical expenses incurred by the insured within 180 days from the date of the accident shall be paid the accident medical insurance benefits as agreed after deducting the deductible.

1.Adult income is very important for the family's financial situation, it is recommended to focus on the amount of accident insurance, accident medical part is not the focus of attention, the purchase is destroying the purchase can only reimburse the accident insurance within the scope of social security, to ensure that there is a high amount of insurance is good. 2.

How to buy accident medical insurance for the elderly and children? For children and the elderly, since there is no family responsibility, Jianqing Sun Yi focuses on the accidental medical part when purchasing for them, and the insurance amount is not the core.

Personal accident insurance purchase, the details are as follows:

1. Personal accident insurance can be purchased through various channels, and you can choose the most suitable way to apply for insurance, which can be purchased through the insurance company, insurance broker, insurance company official, insurance company's exclusive app, and the official WeChat platform of the insurance company.

2. In addition to the basic accidental death and accidental disability protection, you also need to choose accidental medical protection, preferably sudden death and hospitalization allowance.

3. Try to choose one-year accident insurance for personal accident insurance, and do not choose long-term accident or accident insurance with return function, after all, the long-term payment of accident insurance premiums is expensive, while the one-year accident insurance premium is cheap and the protection is more complete.

4. The purchase of personal accident insurance needs to buy the insured amount sufficiently, and it is recommended to choose 5-10 times the income of the family, once the insurance accident is caused by an accident, it can ensure the operation of the family.

5. The purchase of personal accident insurance needs to pay attention to whether the occupational category matches, accident insurance is the requirement of occupational category, if it belongs to 1-4 types of occupations, there are still more accident insurance products to choose from, and high-risk occupations can choose special accident insurance underwriting.

Summary. Hello, I am happy to answer for you, there are four main ways to buy medical insurance accident insurance, and consumers can choose any way to insure.

1. Consumers can go to the sales counter of professional insurance companies to purchase: fill in the insurance policy, and the insurance company will issue an insurance certificate after collecting the insurance premium, and the insurance will take effect. Second, consumers can also purchase through **, which can support **insurance.

Consumers complete the insurance information online, and the payment can take effect. 3. Consumers can contact qualified individuals to purchase. Many consumers have insurance ** people who serve themselves, and consumers can buy through this ** person.

Fourth, it can also be purchased through a qualified institution: many insurance companies will install the system terminal in the first institution, and after the customer provides insurance information and pays the insurance premium to the first institution, the first institution prints the insurance certificate to the consumer through the insurance company's system, and the insurance takes effect.

How to buy medical insurance accident insurance.

Medical insurance for urban and rural residents, medical insurance such as wrestling, fractures, etc.

Hello, I am glad to answer for you, there are four main ways to buy medical insurance accident insurance, consumers can choose any way to insure, consumers can go to the sales counter of professional insurance companies to buy: fill in the insurance policy, the insurance company will issue an insurance certificate after receiving the insurance premium, and the insurance will take effect. Second, consumers also know that they can buy and support insurance.

Consumers complete the insurance letter online, which can take effect after payment. 3. Consumers can contact qualified individuals to purchase. Many consumers have insurance ** people who serve themselves, and consumers can buy through this ** person.

Fourth, it can also be purchased through a qualified institution: many insurance companies will install the system terminal in the first institution, and after the customer provides insurance information and pays the insurance premium to the first institution, the first institution prints the insurance certificate to the consumer through the insurance company's system, and the insurance takes effect.

Insurance is a Chinese word for grip front fighting, pinyin is bǎo xiǎn, English is insurance or insuraunce, the original meaning is safe and reliable protection; It is later extended into a guarantee mechanism, which is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the Duan Mo Jin Regret Slip System and Social Security System.