What drugs are included in car insurance and medical insurance

Car insurance and medical insurance for external drugs is an additional type of third-party liability insurance, and car owners can choose additional insurance according to their own needs.

The external use of car insurance mainly refers to the fact that after the occurrence of an insurance accident, the motor vehicle driver causes third-party property damage or personal **, and the three insurances can only compensate for the cost of medical insurance drugs, and the cost of medical insurance external drugs needs to be borne by the car owner.

Car insurance medical insurance external drug liability insurance can mainly protect the insured vehicle after an accident, should be borne by the owner of the third party medical expenses, and is the part outside the scope of medical insurance, the insurance company is responsible for the scope of the claim liability, the amount of insurance can generally be freely selected, the maximum amount of insurance can be selected 50,000 yuan, the minimum amount of insurance can be selected 5,000 yuan.

The external use of car insurance mainly refers to the fact that the motor vehicle driver causes third-party property damage or personal injury after an insured accidentAll threeYou can only pay for the cost of medical insurance drugs, and the cost of medical insurance drugs needs to be paid by the car owner out of his own pocket. However, if you have taken out the three-party insurance for the liability of external drugs under medical insurance, the cost of external drugs under natural medical insurance will also be compensated by the insurance company. The three-party insurance for medical insurance external drug liability mainly refers to the additional insurance of the third-party liability insurance, and the car owner can choose whether to insure according to his own needs, and there is no mandatory requirement.

However, it should be noted that the insured amount of medical insurance external drug liability insurance and third-party liability insurance cannot be enjoyed together, but both need to be insured by the car owner himself, but when applying for medical insurance external drug liability insurance, it is recommended to be sure to insure third-party liability insurance.

Car insuranceWhether you need to buy external drugs under medical insurance, mainly according to the specific needs of the car owner, if there is a demand, the car owner has sufficient expenses, and it can be insured, because the premium of car insurance medical insurance external drugs is not particularly high. This kind of insurance is not compulsory to purchase, mainly to protect the insured vehicle after the insured accident, the insurance company can compensate the owner of the third party for the medical expenses outside the scope of medical insurance in the scope of liability, with a minimum of 5000MetaThe maximum amount of insurance can be 50,000 yuan.

Summary. Hello, I mean the expenses incurred outside of the third party liability insurance claim.

The meaning of the car insurance external drug liability insurance is that if the insured or the legal driver allowed by the insured or his legal driver in the process of using the insured vehicle, if an insured accident occurs, resulting in a third party being personally affected, then the medical expenses outside the medical insurance that are not within the scope of the third-party liability insurance claim, the medical insurance external drug liability insurance can bear the claim liability.

What drugs are included in car insurance and medical insurance?

Hello, I am Lin Xiao, a professional in the workplace, and I am good at solving problems related to job search and employment, occupation type, five insurances and one housing fund, and have solved problems for 5000+ people. We'd love to answer for you. I've seen your question, Huai Shu, please wait a minute, I'll sort out the answer, and reply to you within 5 minutes, don't end the order, I'm not a robot.

Thank you. Hello, I mean the cost of third-party liability insurance claims. The meaning of the car insurance medical insurance external drug liability insurance is that if the insured or the legal driver allowed by the insured person in the process of using the insured car model, if the insured accident occurs and the third party is damaged due to the destruction of the third party, then the medical expenses outside the medical insurance that are not within the scope of the third party liability insurance claim can be borne by the medical insurance liability insurance.

Does the personal injury involve drugs that are not covered by insurance?

Car insurance additional medical insurance for external use refers to the liability insurance of allergy drugs that are often used in accidents, and imported materials such as brackets and screws can also be reimbursed.

Pro, drugs are generally reimbursable in third-party liability insurance.

This refers to the fact that the third-party liability insurance cannot be reimbursed, and then the medical insurance external drug liability insurance can reimburse.

Does the special effects pay?

Wait a minute, I'll help you check.

Not all drugs can be reimbursed, and it is necessary to roll around the prescribed range for reimbursement. Insurance company claims generally refer to the guidelines for the clinical diagnosis and treatment of traffic or residual accident personnel and the national basic medical insurance standards formulated by the competent health department, and the Class A drugs are generally fully compensated, and the Class B drugs are deducted by 10%-30%, and the Class C drugs are self-financed drugs, which need to be borne according to the proportion of accident liability.

Liability insurance for out-of-pocket medical expenses can be reimbursed for self-financed drugs. If you hit someone else or the person in the car is injured and hospitalized, the three insurance and the car personnel insurance will not pay for the self-paid medicine, only the medical expenses liability insurance outside the medical insurance can pay for the self-paid medicine, and the self-paid drug key slip insurance can be shared with the three liability insurance.

Dear, as long as the expenses of the injured are used in traffic accidents, they will be paid according to the proportion of the accident.

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Summary. Hello, class C drugs belong to the scope of medical insurance, if you go directly to the insurance company to settle, the insurance company can basically not pay, you can ask the owner to bear this part of the cost.

The insurance company generally bears 20% of the Class C drugs and Class B drugs by the insured, and the insurance company can be made to bear the Class C drugs through the insurance contract lawsuit, and the 20% of the Class B drugs is provided that the amount is very large.

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What drugs are included in car insurance and medical insurance?

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Hello, class C drugs belong to the scope of medical insurance, if you go directly to the insurance company to settle, the insurance company can basically not pay, you can ask the owner to bear this part of the cost. The insurance company generally bears 20% of the Class C drugs and Class B drugs by the insured, and the insurance company can be asked to bear the Class C drugs through the insurance contract lawsuit, and the 20% of the Class B drugs is provided that the amount is very large. If my Qin Wankai is helpful to you, I hope you can give me a thumbs up when it is convenient, and I wish you a happy life!

[Legal Analysis].Car insurance or family insurance is an additional type of third-party liability insurance, and car owners can choose additional insurance according to their own needs. Car insurance medical insurance external drug liability insurance can mainly protect the insured vehicle after an accident, should be borne by the owner of the third party medical expenses, and is the part outside the scope of medical insurance, the insurance company is responsible for the scope of the claim liability, the amount of insurance can generally be freely selected, the maximum amount of insurance can be selected 50,000 yuan, the minimum amount of insurance can be selected 5,000 yuan.

[Legal basis].Social Insurance Law of the People's Republic of China

Article 1 This Tuanzhou Law is enacted in accordance with the Constitution in order to regulate social insurance relations, safeguard the legitimate rights and interests of citizens to participate in social insurance and enjoy social insurance benefits, enable citizens to share the fruits of development, and 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, or childbirth.

The above is only the current information combined with my understanding of the law, please refer to it carefully!

If you still have questions about this issue, it is recommended that you organize the relevant information and communicate with a professional in detail.

The meaning of the insurance insurance external drug liability insurance is that if the insured or the legal driver allowed by the insured or the legal driver to use the insured vehicle in the process of using the insured vehicle, resulting in the third party being personally affected, then the medical expenses outside the medical insurance that are not within the scope of the third party liability insurance claim, the medical insurance external drug liability insurance can bear the liability for the claim. Personal injury involves drugs outside the medical insurance, car insurance additional medical insurance external drug liability insurance is an accident often used self-financed drugs, brackets, screw masks and other imported materials can also be reimbursed, before buying three insurance for these imported drugs, hospitalization expenses can not be reimbursed, now can be reimbursed. Pro, Qinghuazi drugs are generally reimbursable in third-party liability insurance.

Hello, dear, car insurance and medical insurance external drugs cannot be fully reimbursed. Collection and Payment of Basic Medical Insurance Premiums Article 7 The basic medical insurance premiums shall be paid jointly by the employer and the employee. Among them, the employer shall pay 5%-7% of the total monthly salary of the employee, and the rate of the employee's medical insurance premium shall not be less than 2% of the total monthly salary of the employee.

Article 8 The amount of monthly wages paid by employees shall be determined according to their actual total wages, but shall not be less than 60 percent of the average monthly wages of employees in the previous year in the city, county, or autonomous county where they are located. Article 9 The part of the employee's monthly salary that exceeds 300 percent of the average monthly social wage of the employee in the previous year in the city, county, or autonomous county where he or she is located shall not pay the basic medical insurance premium, nor shall it be used as the basis for approving the quota of the personal account. Article 10 Within 30 days after obtaining a business license or being approved for establishment, an employer must go to the social insurance agency to register for basic medical insurance.

When there is a change in the registration items or the obligation to pay is terminated in accordance with law, the modification or cancellation of registration shall be handled in a timely manner. The social insurance agency shall promptly notify the collection authority of the registration situation. The employer shall, within 10 days after completing the registration procedures for basic medical insurance, register with the collection authority for the payment of basic medical insurance premiums in accordance with the relevant regulations.

Article 11 The amount of basic medical insurance premiums that employers and employees shall pay shall be declared by the employer to the collection authority on a monthly basis, and shall be verified by the collection authority. If the employer fails to declare the amount of basic medical insurance premiums to be paid in accordance with the regulations, the collection authority shall temporarily determine the amount payable according to 110% of the amount paid by the unit in the previous month; If there is no amount of payment for the previous month, the collection authority shall determine the number and amount of payment according to the economic situation of the unit, the number of employees and other relevant circumstances. After the payment unit completes the declaration procedures and pays the basic medical insurance premiums according to the prescribed amount, the collection authority shall settle according to the facts.

Article 12 The basic medical insurance premiums shall be levied on a monthly basis, and the employers and employees shall pay the basic medical insurance premiums to the collecting authorities within the prescribed time limit. The part that should be paid by the individual employee shall be withheld by the employer from the employee's salary. Basic medical insurance premiums are not exempt or reduced.

Article 13 The composition of the total salary of paying basic medical insurance premiums shall be calculated in accordance with the relevant provisions of the State. The basic medical insurance premiums paid by the employer shall be paid in accordance with the relevant financial regulations of the state. The basic medical insurance premium is not included in the current salary income of the individual and is exempt from individual income tax.

Employers shall not reduce the wage standards of employees on the grounds that they have paid basic medical insurance premiums.

Car insurance medical insurance external drug liability Lao Lu Ren insurance mainly refers to the property damage or personal injury caused by the motor vehicle driver to a third party after the insured accident, the three insurances can only cover the cost of external medical insurance, and the rest needs to be paid by the owner of the accident. However, if you have car insurance and medical insurance liability insurance, then the insurance company will also reimburse you for expenses other than medical insurance.

However, it should be noted that the coverage of car insurance, medical insurance, external drug liability insurance and third-party liability insurance cannot be enjoyed at the same time. As commercial insurance, both are subject to the driver's own choice.

If you have purchased car insurance and medical insurance external drug liability insurance, expenses other than the excess medical insurance can be reimbursed through car insurance medical insurance external drug liability insurance. If the occupants of the car are injured and hospitalized, the third-party insurance and the occupants insurance will not compensate for the out-of-pocket medical expenses. Self-financed drugs can only be insured by car insurance and medical insurance for external drug liability, but not by medical insurance, and the insured amount of self-financed drugs can be jointly covered with three types of liability insurance.

Car insurance and external drug liability insurance is a type of third-party liability insurance that is an additional type of insurance in addition to car insurance, and it is not mandatory for drivers to purchase. Drivers can choose to purchase additional insurance according to their needs and premium budget.

Automobile insurance medical insurance external drug liability insurance is to ensure that after the insured vehicle has an insured accident, the insurance company will settle the medical expenses that should be borne by the driver outside the scope of medical insurance to a third party within the scope of responsibility. The general sum insured can be selected from left to right, with the maximum sum insured being $50,000 and the minimum sum insured being $5,000.

Hello dear, 1In the medical insurance, it refers to the various patsin drugs used in the hospital and various search expenses that can be reimbursed by the medical insurance when they are hospitalized; 2.Outside the medical insurance, it means that the drugs or other expenses used when going to the hospital are not within the scope of medical insurance reimbursement and cannot be reimbursed by medical insurance, that is, these expenses must be rolled out at their own expense.