Non medical insurance drug safety insurance, is there medical insurance external drug insurance in P

No compensation can be made, but the insurance company must prove the reasonableness of the non-medical insurance drug coverage it claims. 1. The deduction of non-medical insurance drugs advocated by the insurance company shall be deemed to be the difference between the deduction of non-medical insurance drugs and the drugs within the scope of similar medical insurance. If the insurance company cannot prove the reasonableness of the non-medical insurance drug coverage and the reasonable replacement plan of the same type of drug within the medical insurance scope, it shall compensate the policyholder for all the medical expenses of the accident injured.

2. The insurance contract is a standard clause, and the standard clause contract does not clearly explain that the medical expenses approved according to the standard of the national basic medical insurance are non-medical insurance drugs and will not be claimed, and the insurer has no evidence to prove that it has expressly informed the policyholder that the non-medical insurance drugs will not be claimed. The commercial three-party insurance contract clause "in accordance with the standards of the national basic medical insurance to verify the medical expenses" is interpreted as non-medical insurance drugs will not be claimed, and will not have legal effect. 3. The amount of premiums charged by the insurer in the commercial insurance contract is much higher than that of the national basic medical insurance, and the policyholder's expectation of the benefits of insurance is also much higher than that of the national basic medical insurance.

Therefore, if no claim is made for the use of drugs outside the medical insurance, it significantly reduces the risk of the insurance company, reduces its obligations, restricts the rights of the insured, and violates good faith. 4. The insurance contract stipulates that the insurer shall determine the amount of compensation for medical expenses in accordance with the standards of the national basic medical insurance, and this clause should not be simply understood as the insurer does not bear the cost of non-medical insurance drugs. In accordance with the principle of fairness in civil law, even if the insurer does not bear the medical expenses of non-medical insurance drugs, it should pay according to the standard of similar medical expenses within the scope of the national basic medical insurance.

Hello, I am Xiao Chen'er, a financial planner from Ping An Life Insurance.

After you apply for insurance, a professional insurance person will tell you that non-designated hospitals (generally private hospitals do not pay, public hospitals will pay), non-medical insurance drugs will not be compensated. Therefore, it is very important to choose an insurance person.

Ping An China, Ping An China, I wish you a happy family and a safe life.

Summary. Hello, Ping An has added five new types of insurance after the last insurance reform, including medical insurance for external drugs.

Hello, Ping An has added five new types of insurance after the last insurance reform, including medical insurance for external drugs.

The veteran driver who has been driving the car for many years is very clear that before September 19, 2020, when the car is covered by the three insurances, in the event of a traffic accident, when the other party is hospitalized and accompanied by a medical cover, he can only compensate the third party for the cost of hospitalization, which is the hospitalization expenses in the medical insurance catalog.

The car insurance is sold with additional medical insurance external drug liability insurance is that accidents often use self-paid drugs, brackets, screws and other imported bucket lifting materials can also be reimbursed, before the three insurance for these imported drugs, hospitalization expenses can not be reimbursed, now can be reimbursed.

Non-medical insurance insurance companies also have to compensate. If you go directly to the insurance company to make a claim, the insurance company will not compensate for the non-medical insurance drugs, which is mainly because the insurance company's non-compensation has been recognized by the other party. If you sue the insurance company in court, you will have to pay compensation, but many people will admit it because they are troublesome.

Summary. Hello dear, Ping An has added five new types of insurance after the last insurance reform, including medical insurance external drug insurance. Veteran drivers who have been driving cars for many years are very clear that the car insurance before September 19, 2020, in the event of a traffic accident, can only compensate the reasonable expenses of the third party when they are hospitalized, which is the hospitalization expenses in the medical insurance catalog.

Hello dear, Ping An has added five new types of insurance after the last insurance reform, including medical insurance external drug insurance. Veteran drivers who have been driving cars for many years are very clear that the car insurance before September 19, 2020, in the event of a traffic accident, can only compensate the reasonable expenses of the third party when they are hospitalized, which is the hospitalization expenses in the medical insurance catalog.

The car insurance is supplemented by medical insurance for external drug liability insurance, which is often used in accidents, and imported materials such as brackets and screws can also be reimbursed.

Yes, there is.

Summary. Dear, I'm glad to answer for you: Ping An insurance has medical insurance external drug insurance, medical insurance external drug liability insurance is an additional insurance, the owner of the third party liability insurance can be attached, after the insured vehicle has an accident, the medical expenses that should be borne by the owner of the third party, more than the standard part of the national medical insurance The insurance company will be reimbursed in accordance with the contract, and the insurance amount can be 5,000 yuan, 10,000 yuan, 20,000 yuan, and 50,000 yuan, except for special medical expenses.

Whether to apply for additional insurance or not, the car owner determines according to his own needs and premium budget, and additional premiums will be added to the insurance policy.

Dear, I'm glad to answer for you: Ping An insurance has medical insurance external drug insurance, medical insurance external drug liability insurance is an additional insurance, the owner of the third party liability insurance can be attached, after the insured vehicle has an accident, the medical expenses that should be borne by the owner of the third party, more than the standard part of the national medical insurance The insurance company will be reimbursed in accordance with the contract, and the insurance amount can be 5,000 yuan, 10,000 yuan, 20,000 yuan, and 50,000 yuan, except for special medical expenses. Whether to apply for additional insurance or not, the car owner determines according to his own needs and premium budget, and additional premiums will be added to the insurance policy.

Does the third-party liability insurance include medical insurance for external use?

Dear, yes.

Legal Analysis: No Compensation. The non-indemnity clause for the non-medical insurance part of the medical expenses exempts the insurer from liability, and this clause is an exemption clause.

The insurance company has no evidence to prove that it has fulfilled its obligation to remind and clearly explain the indemnity clause to the policyholder when applying for the commercial insurance involved in the case, and the disclaimer clause is not legally binding on both the insurer and the insurer. Therefore, the insurance company's claim that the medical expenses will be deducted by 10% for non-medical insurance drugs cannot be established, and the insurance company should compensate the medical expenses incurred by the injured person ** for the injuries suffered in the traffic accident.

Legal basis: "Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Personal Injury Compensation Cases" Article 19: Where the determined period of care, the period for payment of assistive device fees, or the period for payment of disability compensation is exceeded, and the person entitled to compensation files a lawsuit with the people's court requesting continued payment of nursing expenses, assistive device fees, or disability compensation, the people's court shall accept it. Where the person entitled to compensation truly needs to continue to care for or prepare assistive devices, or does not have the ability to work and make a living, the people's court shall order the person with the right to pay compensation to continue to pay the relevant expenses for 5 to 10 years.

Legal analysis: compensation, non-medical insurance insurance companies also pay.

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

Article 1: This Law is formulated on the basis of the Constitution so as to regulate social insurance relations, to preserve the lawful rights and interests of citizens to participate in social insurance and enjoy social insurance benefits, to enable citizens to share the fruits of development, and to promote social harmony and stability.

Article 2: 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 protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

Summary. Dear, the answer to this question is:

Ping An Property & Casualty's Specific Drug Expense Medical Insurance Section B is a new medical insurance product launched by Ping An Life, which mainly reimburses the cost of special drugs for malignant tumors, with a medication period of 1 year, and five levels of insurance to choose from, with a maximum premium of 1 million, and the premium is very cheap, with a maximum premium of only 1 yuan.

And dear, if you still have any questions that you don't understand, you can always ask me questions!

Ping An Property & Casualty's Specific Drug Expenses Medical Insurance Section B.

Dear, the answer to this question is: Ping An Property & Casualty Insurance is a new medical insurance product launched by Ping An Life, which mainly reimburses the cost of special drugs for malignant tumors, with a medication period of 1 year, five levels of insurance to choose from, up to 1 million wide shirts, and the premium is very cheap, and the highest premium is only yuan. And dear, if you still have any questions you don't understand, you can always ask me questions!

Ping An Property & Casualty's specific drug cost medical insurance section B only provides special drug expenses for malignant tumors, exclusive protection for luck and hunger, with a medication period of 1 year, the premium is relatively cheap, but the protection period is shorter, which can be used as a transitional or supplementary protection for targeted reimbursement of medical expenses. Compensation ratio: 100% outside the medical insurance catalog, 100% reimbursement after medical insurance expense compensation in the catalog, and 60% reimbursement without medical insurance compensation for side flush return.