Is it necessary to have auto insurance other than medical insurance?

This is necessary. Although the external liability insurance for medical insurance belongs to commercial auto insurance, it is not compulsory for car owners to buy it, but car owners can choose whether to insure the external liability insurance for medical insurance according to their actual needs and premium budget.

1. Third-party liability insurance (hereinafter referred to as "third-party insurance"): refers to the amount of compensation that should be paid by the insured according to law if the qualified driver allowed by the insurer has an accident while using the insured vehicle, resulting in personal injury or direct loss of property to a third party, and the insurer shall compensate according to the relevant provisions in the insurance contract.

2. External medical insurance liability insurance does not share the insurance amount with third party liability insurance. This is an additional risk. Car owners can choose not to insure or insure according to their actual needs and premium budget. The insured amount can be 5000 yuan,10000,20000,50000. The higher the insured amount, the higher the premium. In addition, the external liability insurance of medical insurance mainly means that when the insured vehicle has an accident and the owner should bear the medical expenses of a third party, the insurance company will compensate the medical expenses other than medical insurance according to the contract. The liability insurance for external use of medical insurance is an additional risk among the three types of insurance, which can protect the insured or its licensed driver from personal injury or property loss of a third party in the process of using the insured vehicle. The three types of insurance may not be responsible for claims for external use of medical insurance, but the external liability of medical insurance may be responsible for compensation.

Medical insurance external liability insurance can be voluntarily insured by the owner. If you think you have relevant needs, you can consider taking out insurance, or you can relieve some financial compensation pressure for yourself after the accident.

Extended data:

Medical expenses liability insurance other than auto insurance and medical insurance is an additional insurance of the three types of insurance, which mainly ensures that when the insured or its authorized legal driver has an insured accident in the process of using the insured vehicle, causing personal injury or property loss to a third party, the insured or its authorized legal driver shall be liable for compensation, and the third party liability insurance will not pay medical expenses other than medical insurance. In fact, this is the same reason that we have social security and need to buy commercial medical insurance. Social security reimburses the drugs and services in medical insurance when we are hospitalized, while self-funded drugs and services other than social security are not reimbursed and need to be paid out of our own pockets. Therefore, social security and commercial insurance are complementary.

Then, it depends on whether you are willing to spend these tens of dollars to avoid this small probability risk. If you are a steady and cautious driver, you don't have to buy it if you laugh so hard that you won't have an accident or waste money. If you are a risk-averse person and don't want to have any risks during driving, you can spend some money to pass these risks on to the insurance company, which is also a precaution. The last thing we should have is luck. The occurrence of risk is often not determined by subjective will, but more often unknown and random, depending on the individual's risk awareness and ability to cope with risks.

In addition, the external liability insurance for medical insurance can be obtained in the following environments: if the insured vehicle causes personal injury or death to outsiders during driving, the medical expenses incurred in the outpatient service outside social security can be reimbursed within the limit. To put it simply, if an accident occurs within the scope of the three liability insurance, compensation can be stopped for medical expenses other than social security, fund-raising network, futures fund-raising network and medical insurance foreign drug liability insurance that have not been settled in the three liability insurance.

Therefore, external medical insurance and hole-drilling liability insurance can be regarded as additional risks of outsider liability insurance, and car owners can choose insurance according to their actual environment.

Exemption from external drug liability insurance of medical insurance;

As long as it is insurance, there will be no compensation, and so will the liability insurance for medical expenses other than auto insurance and medical insurance. The insurer is not responsible for the following losses and expenses:

1, the loss of the insured can be compensated under other insurance types with the same protection as the medical expense liability insurance other than auto insurance, and the medical expense liability insurance other than medical insurance is not liable for compensation; 2. The diagnosis and treatment of work-related injuries and insurance accidents has nothing to do with medical treatment and medical expenses;

3. Special medical expenses.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: People's Republic of China (PRC) Insurance Law.

Article 50 An insurer may, in accordance with the law or the contract, directly compensate the insured for the third party damage caused by liability insurance.

Article 1 This Law is formulated in accordance with the Constitution for the purpose of adjusting the social insurance relationship, safeguarding citizens' legitimate rights and interests in participating in social insurance and enjoying social insurance benefits, enabling citizens to enjoy the fruits of development and promoting social harmony and stability.