Can child accident insurance and domestic medical insurance be reimbursed twice?

Duplicate reimbursement is not allowed

If you want to know more about why, check out the following article. What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

To put it simply, the medical expenses are generally used firstDomestic medical insuranceMake a reimbursement, thenThe remainderIf the accident causes the accident, the accident insurance will reimburse the remaining part of the medical insurance according to a certain amountPayout ratioMake a claim and the cumulative amount of the two claims will not exceed the total amount of medical bills you paid.

Check out this article. The 10 most worthwhile children's accident insurance points!

Of course, in addition to the accident insurance and children's medical insurance mentioned by the subject, it should also be configured for childrenCritical illness insuranceIt can also be configured if the budget is sufficientMicro-medical insurance

Take critical illness insurance as an example, its main role is to transfer the risk of economic losses caused by serious illnesses and compensate for the economic losses caused by critical illnesses. Unlike medical insurance, the insurance company will pay for the diagnosis of a covered illness. So what cost-effective products are currently available for critical illness insurance, I have sorted them out in the following article.

Top 10 [cheap and high-quality] children's critical illness insurance in 2020

It cannot be reimbursed repeatedly, and generally the medical expenses are reimbursed by domestic medical insurance first, and the remaining part can be reimbursed with commercial accident insurance. Generally, in the reimbursement of children's insurance, the social security is reported first, and after the reimbursement is made according to the proportion, the remaining part that has not been declared is paid to the insurance company, so that the insurance company can declare according to the proportion.

In the case of meeting the needs of the local medical summary for drug expenses, ** fees, examination fees, hospitalization fees and material expenses, the insurance company will deduct the part that has been reimbursed in social security, and then let other departments reimburse.

Proportional payment is the best way, in fact, if you buy serious illness insurance, you generally do not consider the reimbursement problem, because the one-time payment of insurance, with the diagnosis certificate, can be received in the insurance company, but such as.

If it is not a one-time payment, it is necessary to be prepared and reimbursed when the diagnosis and treatment is over, and serious illness still needs to be reimbursed in social security.

If it is a commercial insurance company, there is no conflict between the insurance purchased by the insurance company and the resident's purchase. Yes.

If it cannot be reimbursed repeatedly, it will not exceed the total amount of medical expenses.

Hello, accident insurance cannot be repeated.

Accidents and medical treatment are complementary and can be reported both.

Both are complementary and can be claimed, and the cumulative amount of claims will not exceed the total amount you have to spend.

The two are complementary, not duplicative.

The claims process of insurance companies is different, and it is most accurate to call the insurance company** directly to consult manual services.

There are two main types of accident insurance claims:

1. If the insured dies or becomes disabled due to an accident, the insurance company will pay compensation according to the amount insured in the insurance contract.

2. If it is an accidental injury**, the medical expenses shall be reimbursed according to the compensation principle of accident medical insurance. Under normal circumstances, this reimbursement method needs to be reimbursed by invoice, and cannot be reimbursed repeatedly.

Therefore, a case-by-case analysis is required on a case-by-case basis.

Accident insurance and medical insurance can be reimbursed twice, and the two have different protection responsibilities, so there is no conflict. If the insured person suffers an accidental injury, he can apply for compensation from the accident insurance; At the same time, go to the hospital for ** and reimburse the medical expenses through medical insurance. If you go to the hospital** because you are sick, you will be reimbursed by medical insurance, but you will not be covered by accident insurance.

Accident insurance is mainly to provide protection against accidental injuries suffered by the insured.

How to make a claim for accident insurance:

1. After the insured has an insured accident, it is necessary to notify the insurance company in time and report the case;

2. Prepare reimbursement and claim materials according to the requirements of the insurance company;

3. After the insured is discharged from the hospital, submit the reimbursement information to the insurance company, and the insurance company will pass the review, and the claim can be transferred to the designated bank account.

Legal basisArticle 2 of the Social Insurance Law of the People's Republic of China.

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.

Twenty-third is missing.

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 can participate in the basic medical insurance for employees, and the basic medical insurance premiums shall be paid by each person in accordance with the provisions of the state.

This can be reimbursed because medical and accident insurance are not overlapping. Yes, they can all be reimbursed.

Medical insurance and accident insurance can not be reimbursed repeatedly, only the part that cannot be reimbursed by medical insurance, and the accident will be reimbursed!

Answer: Hospitalization medical insurance and accident medical insurance are not in conflict, the accident medical insurance in the accident insurance is specifically to solve the cost reimbursement of the insured's injuries caused by accidents, assuming that the insured is unfortunate due to an accident and the injury is more serious, then it can be reimbursed with this insurance. The coverage of hospitalization medical insurance is relatively wider, whether it is because of illness, accident and other risks, the main insured is hospitalized to accept **, you can be reimbursed according to the proportion, and the specific need to refer to the terms and conditions.

Therefore, consumers should understand the contract terms of the product separately before purchasing these two types of insurance, and some insurance companies have provisions in the contract terms that assuming that the insured is injured due to an accident, the accidental medical insurance can only be reimbursed.

10,000, and hospitalization can only be compensated.

5000, but the cost of tens of thousands, can be paid proportionally, but less than this amount, you have to be compensated according to liability.

In addition, the products of some insurance companies stipulate that the cost of drugs will not be reimbursed, so consumers must understand the specific matters of the contract clauses.

Therefore, there is no conflict between hospitalization medical insurance and accident medical insurance, but the reimbursement of the two will not exceed the entire medical expenses of the insured in the hospital.

Can medical insurance and accident insurance be covered at the same time?

Medical insurance and accident insurance can be reimbursed at the same time, and the two have different protection responsibilities, so there is no conflict.

For example, if the insured person suffers an accidental injury, he can apply for compensation from accident insurance; At the same time, go to the hospital for ** and reimburse the medical expenses through medical insurance.

The same is true for commercial medical insurance, where the insured can go to a designated medical institution for a claim after applying to the insurance company for an accident injury. Commercial medical insurance can reimburse the reasonable and necessary medical expenses incurred by the insured person due to an accident to the hospital** according to the contract.

However, if you go to the hospital** because you are sick, you can be reimbursed by medical insurance, but you will not be covered by accident insurance. After all, accident insurance mainly provides protection against accidental injuries suffered by the insured.

Legal analysis: Accident insurance and medical insurance can be reimbursed at the same timeLegal basis: Article 20 of the Social Insurance Law of the People's Republic of China.

Individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, the cumulative contributions reach the number of years prescribed by the state, and the basic medical insurance premiums will not be paid after retirement, and they will enjoy the basic medical insurance treatment in accordance with the provisions of the state; Those who have not reached the number of years required by the state to disturb the family may pay until the number of years specified by the state.

Children who have already entered primary school are often more prone to accident risks due to their young age and lack of awareness of self-protection, so in order to help you strengthen your child's accident protection, it is necessary to get a suitable child accident medical insurance for your child as soon as possible. The school has insurance, is it necessary for the child to have this child's accident medical insurance?

School insurance is often only a school insurance, and the coverage and amount of coverage provided by this type of insurance are very limited, so it is best to follow the advice of the child's mother and buy a suitable child accident medical insurance for your child. Here are a few things you need to pay attention to before you apply for insurance:

1. Buy insurance according to the actual age of the child. For minor children, parents should consider 3 risks: accident insurance, critical illness insurance, and medical insurance.

2. Choose the most suitable insurance product for your child. The most suitable choice is to buy protection products, mainly life insurance, accident insurance, medical insurance, critical illness insurance, etc. After establishing basic protection, some investment-based insurance products can be supplemented as a way to manage your finances as appropriate.

3. Choose the appropriate amount of insurance according to the child's situation. The demand for the sum insured will change depending on the family structure, income and external economic situation.

4. Choosing the most suitable insurance company for your child can be considered from the service level and solvency of the insurance company. To buy children's accident medical insurance for your children in elementary school, you should design a complete children's insurance plan for them according to their own risk profile. Here, we recommend the following products for you:

Children's Ping An Card Coverage Content: * Accidental Injury (Death, Disability) 50,000 Yuan * Accidental Hospitalization 50,000 Yuan Accidental Medical Treatment 5,000 Yuan * Children's Critical Illness 10,000 Yuan As Low as: 100 Yuan Taikang "Children's Fun" Comprehensive Accident Insurance Coverage Content:

Accidental death and disability insurance 50,000 yuan * Accidental injury medical insurance 5,000 yuan * Accidental injury hospitalization allowance insurance as low as: 60 yuan.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"