Do individuals have to pay unexpected compensation when buying social insurance?

In social security, if the accident is caused by a third party, the third party is responsible and cannot be reimbursed. ;

Individual purchase of social security only includes endowment insurance and medical insurance.

According to the relevant laws and regulations, if employees or residents participating in basic medical insurance are injured or injured due to the tort of a third party, the medical expenses shall be borne by the third party according to the determined responsibilities. Medical expenses exceeding the liability of third parties shall be paid by the medical insurance fund in accordance with state regulations.

At present, there are four categories of medical expenses that are not included in the basic medical insurance fund: 1. Should be paid by the industrial injury insurance fund; 2. Should be borne by a third person; 3. It should be borne by public health; 4. Go abroad for medical treatment. Therefore, those injured in traffic accidents shall be borne by the infringer.

One of the reasons for non-reimbursement: it is reasonable to stipulate in the policy that the medical expenses of traffic accidents should not be reimbursed by medical insurance, and the damage caused by traffic accidents is generally compensated by the infringer. If the medical insurance pays this part of the expenses again, the victim will get double indemnity, which also reduces the payment from the medical insurance fund and reduces the risk of insurance fraud.