Property disputes, out-of-pocket medical expenses or medical insurance?

At his own expense, if the owner falls and causes injuries to the property personnel, the owner needs to compensate the medical expenses of the property personnel, and the expenses shall be paid by the owner himself and determined according to the receipt issued by the medical institution. According to the provisions of Article 1 179 of the Civil Code of People's Republic of China (PRC), those who infringe upon others and cause personal injury shall be compensated for medical expenses, nursing expenses, transportation expenses, nutrition expenses, hospital food subsidies and other reasonable expenses for treatment and rehabilitation, as well as the income reduced due to absenteeism.