Can social security and commercial insurance be reimbursed repeatedly?

Legal analysis: social security and commercial insurance cannot be reimbursed repeatedly. Generally, medical insurance is reimbursed first, and then commercial insurance is reimbursed. Social security can only reimburse medical expenses within the scope of the medical insurance catalogue, and the reimbursement amount is relatively limited. After the completion of social security reimbursement, commercial insurance can be used to supplement the reimbursement of unreclaimed medical expenses. According to the principle of cost compensation, the total amount of medical insurance reimbursement and commercial medical insurance reimbursement in social security will not be higher than the actual total medical expenses.

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

Article 33 Employees shall participate in work-related injury insurance, and the employer shall pay the work-related injury insurance premium, while employees shall not pay the work-related injury insurance premium.

Article 34 The state determines the differential rates of different industries according to the degree of industrial injury risk, and determines the rate grades of different industries according to the use of industrial injury insurance funds and the incidence of industrial injuries. Industry differential rates and intra-industry rates shall be formulated by the administrative department of social insurance of the State Council, and promulgated and implemented after being approved by the State Council.

Social insurance agencies shall determine the employer's payment rate according to the employer's use of work-related injury insurance funds, the incidence of work-related injuries and the level of industry rates.

Article 35 The employing unit shall pay the work-related injury insurance premium according to the total wages of employees and the rate determined by the social insurance agency.

Thirty-sixth employees who are injured by accidents or suffer from occupational diseases due to work reasons and are recognized as work-related injuries shall enjoy work-related injury insurance benefits; Among them, those who lose their ability to work after the appraisal of their ability to work enjoy disability treatment.

Work injury identification and labor ability appraisal should be simple and easy.