Is it necessary to report an accident in social security before reporting it in commercial insurance?

Legal analysis: after an accident, you don't have to go to social security for reimbursement first, and then to commercial insurance. Commercial medical insurance can be reimbursed together with social security, because commercial medical insurance is different from general medical insurance, and units and individuals voluntarily participate and pay insurance premiums according to a certain amount. In case of serious illness, you can get certain medical expenses from the insurance company, which does not conflict with social security and can apply at the same time.

Legal basis: Article 14 of People's Republic of China (PRC) Insurance Law After the insurance contract is established, the insured pays the insurance premium as agreed, and the insurer begins to assume the insurance liability as agreed.

"Detailed Rules for the Implementation of the Social Insurance Law of People's Republic of China (PRC)" Article 8 If the medical expenses incurred by the insured in the agreed medical institutions meet the standards of the basic medical insurance drug list, diagnosis and treatment items and medical service facilities, they shall be paid from the basic medical insurance fund in accordance with state regulations. If the insured really needs emergency treatment and rescue, he can seek medical treatment in a non-agreement medical institution; The scope of drugs that must be used for rescue can be appropriately relaxed. The specific measures for the administration of emergency and rescue medical services of the insured shall be formulated by the overall planning area according to the local actual situation.