The unit has medical insurance, and I take out a commercial accident insurance by myself

Social security has a starting line, and a certain percentage of reimbursement is made above the starting line. Business insurance can reimburse you for the out-of-pocket portion.

Taking Shanghai as an example, the starting line is 1,500 yuan, and the above part is reimbursed 85%.

For example, the average hospitalization cost in Shanghai in 07 is 6,000 yuan each time, 1,500 yuan to bear by yourself, the remaining 4,500 yuan can be reimbursed by social security 85%, and 15% of the self-conceited is 675 yuan. Then a total of 1500 + 675 = 2175 yuan.

If there is commercial insurance, then the 2175 yuan that needs to be borne by yourself can also be reimbursed, then those who have commercial insurance will not pay a penny, and those who do not have commercial insurance will have to pay 2175 yuan.

There may also be other benefits, such as social security has a scope for medications, and drugs outside the scope are not reimbursed. However, some commercial insurance covers a wider range than social insurance, which can reimburse the cost of drugs and equipment outside the social insurance.

Social security first, social security is generally up to 80%.

The rest is then reimbursed with commercial insurance.

Since you have bought commercial insurance, social security can consider canceling it.

Because some commercial insurance can reimburse 100%.

That's what we do at Hikvision.

Yes, you can get the social security reimbursement of the invoice first, and then go to the commercial accident insurance, and you can report the remaining 90%.

Reimbursement of social security first, and then apply to withdraw the invoice and then insure the remaining part to the insurance company.

The medical insurance paid by the unit does not include accident insurance, and the medical insurance paid by the unit is also known as employee medical insurance, which mainly reimburses medical expenses related to outpatient and hospitalization, including medical expenses caused by illness or accident (within the scope of the medical insurance reimbursement catalog). If a fracture is caused by an accident, the medical insurance can reimburse the relevant examination fees, hospitalization expenses, etc.

The accident insurance refers to the commercial insurance that specifically covers accidental injury accidents, and the insurance liability generally includes accidental death and disability liability, and most of them will also include accidental medical treatment, including the reimbursement of accidental outpatient and accidental hospitalization expenses. This type of insurance only covers accidental injuries, and if it is caused by illness, it is not covered by compensation.

If you want to die of illness or accident, you can pay for it, only life insurance meets the requirements, and this type of insurance not only covers illness, but also accidents. However, only death is compensated, and medical expenses and disability expenses caused by these reasons are not compensated, and the compensation conditions are more stringent.

Summary. Hello, glad for your question. No, 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. For example, China's publicly-funded medical care and labor insurance medical care. 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.

Is there accident insurance for the medical insurance we pay?

Hello, glad for your question. No, 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. For example, China's publicly-funded medical care and labor insurance medical care. 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.

Thank you. You're welcome!

Many people with strong insurance awareness will supplement their protection through commercial insurance, however, when reimbursing medical expenses, it should be noted that medical expenses caused by accidents and medical expenses caused by diseases belong to the coverage of two different insurance products, among which medical expenses caused by accidents belong to the coverage of accidental injury medical insurance. Therefore, in order to avoid problems with claims, policyholders should have a clear understanding of this.

Most policyholders are no strangers to accident insurance, but many people don't understand the difference between accident insurance and accident health insurance. Among them, the insurance liability listed in the personal accident insurance only includes the death or disability of the insured due to accidental injury, and the insurance liability is very simple, and the insurance company will not compensate for the medical expenses caused by the accidental injury. However, in real life, many small accidents often lead to the need for medical treatment for the insured**, in this case, if the insured wants this part of the medical expenses to be reimbursed, it is necessary to add accident medical insurance on the basis of accident insurance, so that some small bumps can be reimbursed for medical expenses.

Nowadays, accident insurance products are more abundant, consumers can self-apply online, or they can buy insurance cards or insurance policies in the form of insurance policies, however, no matter what form of accident insurance, policyholders should be clear about whether the accident insurance they have insured is attached to the accident insurance and how much the accident medical insurance is covered. In order to avoid problems when making claims, the policyholder should be clear about the insurance responsibilities of the two types of insurance, and the amount of insurance for both should be reasonably determined.

Hello, accident insurance and medical insurance can be reimbursed at the same time, and there is no conflict between the two. Accident insurance mainly reimburses the medical expenses incurred due to injuries caused by accidents. The reimbursement scope of medical insurance is wider, whether it is illness or accident, as long as the hospitalization is accepted**, the medical insurance will be reimbursed according to the proportion.

For example, if Mr. A is hospitalized due to an accident**, the accident insurance only pays 10,000 yuan, but the medical insurance can reimburse 5,000 yuan. Therefore, it is recommended that you should buy both types of insurance at the same time, which can make the protection more comprehensive.

Hello, in general, accident insurance belongs to commercial insurance. Commercial insurance includes the type of personal accident insurance. However, each commercial insurance will have different types of insurance, and the insurance liability will be different, and life insurance includes death and total disability, but it is not accident insurance.

1. Accident insurance, that is, accident insurance. It is an insurance that takes the body of the insured as the subject matter of the insurance, and takes the death, disability, medical expenses or temporary loss of working ability caused by the accidental injury of the insured as the condition for the payment of insurance benefits. 2. Commercial insurance is a part of the insurance products launched by the insurance company, the policyholder signs a contract with the insurance company, after the policyholder pays the premium, the policy takes effect immediately, during the protection period, the insured incurs some insurance liabilities stipulated in the contract, and the insurance company will compensate the insurance money to the policyholder.

Hello, dear and dear, I am happy to serve you: in the case of reimbursement of medical insurance, tell the commercial accident insurance that you have no medical insurance and can get more compensation from the commercial insurance; After the medical insurance reimbursement is completed, the commercial insurance can be supplemented with reimbursement, but the reimbursement cannot be repeated. If there is a medical insurance spike destroyed, but also purchased commercial medical insurance, due to accident or illness hospitalization ** expenses **, generally through the medical insurance reimbursement first, the remaining part by the commercial medical insurance according to the contract for supplementary reimbursement, medical insurance has been reimbursed for the part, commercial insurance can no longer be reimbursed.