Can social security and accident insurance be reimbursed at the same time?

Legal analysis: medical insurance and accident insurance can be reimbursed at the same time, and the guarantee responsibilities are different, so there will be no conflict. For example, if the insured encounters accidental injury, he can apply for accident insurance compensation; At the same time, go to the hospital for treatment and reimburse medical expenses through medical insurance. The same is true of commercial medical insurance. After the insured applies for compensation from the accident insurance company for accidental injury, he can go to the designated medical institution for treatment. Commercial medical insurance can reimburse the reasonable and necessary medical expenses incurred by the insured in hospital treatment due to accidents in accordance with the contract. However, if you go to the hospital for treatment because of illness, you can reimburse it through medical insurance, but you can't get compensation for accident insurance. After all, accident insurance mainly provides protection against accidental injuries suffered by the insured. For example, after you have insured medical insurance, you can apply for an accident insurance to get accident protection; Or take out a commercial medical insurance as a supplement. As long as the economic conditions permit, the protection will naturally be more comprehensive. Yes, industrial injury insurance in social security and accident insurance in commercial insurance can be reimbursed and paid at the same time. However, accident insurance cannot be duplicated with other types of insurance in social security. Industrial injury insurance is an important part of social insurance system, and employers must pay industrial injury insurance for employees. In reality, some employers do not pay work-related injury insurance for employees, but buy commercial accident insurance for employees.

Legal basis: Regulations on Industrial Injury Insurance in People's Republic of China (PRC) Article 2 Enterprises, institutions, social organizations, private non-enterprise units and other organizations, and individual industrial and commercial households with employees shall participate in industrial injury insurance in accordance with the provisions of these regulations and pay industrial injury insurance premiums for all employees or employees of their own units.