What do you mean by insurance and medical insurance for external use?

The additional risk of medical insurance is an additional risk of auto insurance and third party loss insurance.

It means that after an insurance accident, the motor vehicle driver can only pay the medical expenses in the medical insurance catalogue, while the owner of the medical insurance needs to be responsible for the external medical expenses. However, if the external medical insurance is insured first, the medical expenses incurred outside the medical insurance catalogue will also be compensated by the insurance company.

External medical insurance is an additional insurance and commercial auto insurance. Car owners can choose whether to insure according to their own needs. This kind of insurance is not compulsory. In addition, it is worth mentioning that in the case of external medical insurance, it is shared with third-party liability insurance. Of course, you can also choose not to share the insured amount. External medical insurance, the maximum coverage is 50 thousand yuan, and the minimum is 5000 yuan.

Medical insurance processing flow:

1. After receiving the notice from the service point of the social security agency to which the insured belongs (hereinafter referred to as the service point), apply for a social security card at the service point with the original and photocopy of my ID card;

2. The service point personnel provide the individual with the confirmation form of card issuing service, and after the individual confirms the card issuing bank on site, print the application registration form and submit it to the individual for filling in;

3. If you apply for the registration form to print a personal second-generation card photo, the individual may authorize the use of the photo to print the business card without collecting electronic photos; If not, individuals need to take photos of the second generation card in the photo studio that has been included in the electronic photo collection service unit of the social security card in our city (see the column of "Social Security Card" on the social security homepage of our city for the list of photo studios), and paste the photo receipt in the corresponding position of the application registration form;

4 carefully check, supplement or modify the information on the application registration form and return it to the service point within the prescribed time limit;

5. After checking the application registration form and other related materials submitted by individuals, the staff of the service point shall sign for confirmation by both parties;

6. After successfully submitting the application registration form and other related materials at the service point for 30 working days, I will take my original ID card to the social security card of the issuing bank to get the card and go through the card activation procedures.

To sum up, external medical insurance is actually a kind of liability insurance for medical expenses, which can be reimbursed at one's own expense and can be attached to the three-person insurance and the attendant insurance.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.