Is medication outside of medical insurance a pitfall

Medicare out-of-pocket drug liability insurance is an add-on to the three-party insurance in commercial insurance, non-compulsory insurance, and can be bought or not bought according to individual needs.

First of all, we have to figure out what the medication liability insurance covers. The insurance policy covers the insured or the driver allowed to use the insured vehicle in the process, if an insurance accident occurs, resulting in the third party suffered personal injury or property damage, the three insurance is not responsible for claims outside the medical insurance (outside the medical liability insurance can be responsible for the payment). In fact, this is the same as we have social security why you need to buy commercial medical insurance, social security is reimbursed for the hospitalization of medicines and services within the medical insurance, social security out-of-pocket medicines and services social security is not reimbursed, it is necessary to pay out of pocket, so there is a social security and commercial insurance for each other to complement each other.

Then it's up to you whether you're willing to spend the few bucks to hedge that small probability of risk. If you are a very stable and cautious driver, you do not think you will get into an accident, there is no need to waste money, then you do not have to buy; if you are a risk averse, do not want to have any risk in the process of driving, then you can spend a little money to transfer this part of the risk to the insurance company, which also belongs to the preparedness. The last thing you should do is to take a chance. Risks are not always subjective, but more often unknown and random, depending on the individual's risk awareness and ability to cope with the risk.

All in all, it's up to the individual to buy or not to buy, but it's the responsibility and obligation of everyone to cherish themselves and drive in a civilized manner.

Expansion: In fact, now for traffic accidents caused by third-party injuries to medical treatment outside the medical insurance should be reimbursed by the insurance company is controversial. The insurance company's argument is that the relevant situation is set out in the contract, the consumer signed the contract to indicate that the content of the agreement, in fact, we have bought their own car insurance know, and no one specifically on this explanation, which means that we consumers do not know the provisions of this, so there is a similar judgment case, the court is in favor of consumers, said the insurance company's " non-medical part of the deduction". The courts have upheld the consumer's claim that the insurance company's "non-medical deduction" is not in accordance with the law. However, as an individual, we do not want to complicate things, in my case, instead of wasting time to deal with disputes, it is better to be equipped with the appropriate insurance in advance, to take this time and energy to achieve more personal value.