What does accidental injury insurance mean in social security?

Accident insurance belongs to the scope of social security, that is, the reimbursement of accidental medical treatment can only be reimbursed within the scope of social security. Generally refers to the medical expenses that need to be used in the medical process, and the hospital is affected by the scope of social security. If it is outside the scope of social security, it cannot be reimbursed, such as imported and self-funded parts. So be sure to pay attention when buying accident insurance. Whether accidental medical treatment is limited to social security is the most important thing. As for hospitalization allowance and ambulance expenses, you can choose according to your personal needs and preferences.

The insurance liability of accident insurance is that the insurer pays a certain amount of insurance money to the insured or its beneficiary in the case of death, disability, medical expenses or temporary loss of working ability caused by accidental injury. There are generally three kinds of results of accidental injuries: disability, injury and death. In view of the occurrence of unexpected risks, general accident insurance includes these three kinds of insurance liabilities: accidental death, accidental disability (according to the proportion of disability grade) and accidental medical treatment. When an insurance accident occurs, death insurance benefits are paid according to the agreed insurance amount, disability insurance benefits are paid according to a certain proportion of the insurance amount, and medical liabilities are generally compensated according to the actual medical expenses, which is what we call reimbursement.

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