If it is not a work-related injury, can it be converted into self-funded social security?

The hospitalization expenses for work-related injuries cannot be converted into medical insurance.

Workers who are injured at work and enjoy medical treatment for work-related injuries shall be paid by the work-related injury insurance fund if the expenses required for the treatment of work-related injuries meet the catalogue of work-related injury insurance diagnosis and treatment items, the catalogue of work-related injury insurance drugs and the hospitalization service standard of work-related injury insurance. If the employer fails to participate in work-related injury insurance, it shall be paid by the employer in accordance with the prescribed standards.

Medical insurance does not pay medical expenses for work-related injuries, and it is an illegal act to defraud social insurance funds for employees or employers who conceal the truth and fabricate non-work-related injuries and use medical insurance funds to reimburse medical expenses for work-related injuries. The administrative department of social insurance shall recover the fraudulent expenses and impose a fine of two to five times the amount defrauded. If a crime is constituted, criminal responsibility shall be investigated according to law.

Social insurance law

Thirtieth the following medical expenses are not included in the basic medical insurance fund payment scope:

(a) shall be paid by the industrial injury insurance fund;

(2) It shall be borne by a third party;

(3) borne by public health;

(4) Go abroad for medical treatment.

Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.

Regulations on industrial injury insurance

Thirtieth employees who suffer from accidents or occupational diseases at work shall enjoy medical treatment for work-related injuries.

Workers with work-related injuries should seek medical treatment in medical institutions that have signed service agreements. In case of emergency, they can go to the nearest medical institution for first aid.

If the expenses required for work-related injury treatment meet the catalogue of work-related injury insurance diagnosis and treatment items, the catalogue of work-related injury insurance drugs and the hospitalization service standard of work-related injury insurance, they shall be paid from the work-related injury insurance fund. The catalogue of work-related injury insurance diagnosis and treatment items, the catalogue of work-related injury insurance drugs and the hospitalization service standard of work-related injury insurance shall be stipulated by the social insurance administrative department of the State Council in conjunction with the health administrative department of the State Council, the food and drug supervision and management department and other departments.

Food subsidies for hospitalization of workers with work-related injuries, and certificates issued by medical institutions and approved by agencies. The transportation and accommodation expenses for workers with work-related injuries to seek medical treatment outside the overall planning area shall be paid by the work-related injury insurance fund, and the specific standards for fund payment shall be stipulated by the people's government of the overall planning area.

Workers with work-related injuries who treat non-work-related diseases do not enjoy medical treatment for work-related injuries, and shall be treated according to the basic medical insurance method.

The expenses for work-related injury rehabilitation treatment for workers with work-related injuries to medical institutions that have signed service agreements shall be paid by the work-related injury insurance fund if they meet the requirements.

Article 62 If an employer fails to participate in work-related injury insurance in accordance with the provisions of these Regulations, the social insurance administrative department shall order it to participate within a time limit, pay back the work-related injury insurance premium that should be paid, and impose a daily overdue fine of 0.5 ‰ from the date of default; Failing to pay within the time limit, a fine of 1 times shall be imposed.

If an employee of an employer who should participate in work-related injury insurance in accordance with the provisions of these regulations suffers from work-related injuries, the employer shall pay the fees in accordance with the treatment items and standards of work-related injury insurance stipulated in these regulations.

After the employer participates in work-related injury insurance and pays back the work-related injury insurance premium and overdue fine, the work-related injury insurance fund and the employer shall pay new fees in accordance with the provisions of these regulations.

Article 60 Where an employer, an employee with work-related injury or his close relatives defraud the treatment of work-related injury insurance, and a medical institution or an assistive device allocation institution defraud the expenditure from the work-related injury insurance fund, the social insurance administrative department shall order it to be returned and impose a fine of more than 2 times and less than 5 times the amount defrauded; If the circumstances are serious enough to constitute a crime, criminal responsibility shall be investigated according to law.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.