Can I still apply for factory accident insurance after I have applied for urban factory medical insu

Riding a bicycle at work and injuring yourself in rural areas Cooperative medical care cannot be reimbursed.

The following situations are not included in the scope of reimbursement for the new rural cooperative medical care:

1) Outpatient medical expenses of non-designated hospitals in the district (except for outpatient expenses for special diseases), expenses arising from failure to seek medical treatment in accordance with regulations, and self-purchase of drugs;

2) Expenses required for family planning measures and medical expenses in violation of family planning policies;

3) Dental prosthesis, orthodontics, optometry and glasses, hearing aids, artificial organs, cosmetology, cosmetic and orthopedic surgery, sexual medical treatment (such as qigong, massage, massage, physiotherapy, magnetic therapy, etc.), as well as various accompanying expenses, medical transportation expenses, home visit fees, other miscellaneous expenses during hospitalization, etc.;

4) Where there is third-party liability, the medical expenses arising from personal injury are to be borne by the third-party responsible party in accordance with law, such as traffic accidents, medical accidents, work-related injuries, and so forth;

5) Medical expenses incurred for injuries caused by illegal acts such as suicide, self-harm, drug use, drug use, and fighting, as well as intentional acts of their families;

6) Medical expenses incurred during the period of going abroad or in Hong Kong, Macao and Taiwan;

7) Drugs and items that are not reimbursed according to the provisions of the medical insurance system for urban employees;

8) Other expenses that are not to be reimbursed as determined by the District Hospital Management Committee.

"New Rural Cooperative Medical System", the full name of the new rural cooperative medical care, refers to the system of mutual medical assistance and mutual aid for farmers that is organized, guided and supported, voluntarily participated by farmers, raised by individuals, collectives and multiple parties, and is mainly based on the overall planning of serious diseases.

NCMS is a medical security system created by Chinese farmers themselves, which has played an important role in ensuring that farmers have access to basic health services and alleviating the poverty caused by illness and the return to poverty due to illness. The reimbursement scope of NCMS generally includes three parts: outpatient compensation, hospitalization compensation and serious illness compensation.

The reimbursement scope of the new rural cooperative medical care is:

During the overall planning period, the drug expenses, examination fees, laboratory fees, surgery fees, ** fees, nursing expenses and other parts that meet the reimbursement scope of urban employee medical insurance (i.e., effective medical expenses) incurred by the participants in the designated hospital due to illness are incurred.

The new type of rural cooperative medical care** payment establishes a minimum payment standard and a maximum payment limit. Hospitalization expenses below the hospital's annual payment standard shall be paid by the individual. If the minimum payment standard is reached during the same pooling period, the hospitalization expenses incurred by two or more hospitalizations can be reimbursed cumulatively.

Hospitalization expenses exceeding the minimum payment standard shall be calculated in stages and reimbursed cumulatively, with a maximum limit for cumulative reimbursement per person per year.

The commercial accident insurance purchased by the factory can be used to reimburse the remaining medical expenses after the medical insurance reimbursement.

In this case, you can only choose one of the two, and it is better to report a work-related injury.

Bicycle fall hospitalization** can be reimbursed by the urban medical insurance first, and then reimbursed by the insurance company.