Accident insurance claim in social security

Insurance Bian Xiao helps you answer, and more questions can be answered online.

First of all, the medical expenses caused by diseases belong to the category of social security reimbursement, but not all medical expenses are reimbursed by self-funded drugs and imported drugs, and we need to pay at our own expense. Medical expenses caused by accidents, except work-related injuries, are not within the scope of social security reimbursement; From the perspective of social security, you should take care of yourself if you fall and burn carelessly, while accidents caused by other people's responsibilities, such as traffic accidents, medical accidents and being attacked by gangsters, should be borne by the responsible party and can be solved through negotiation or legal channels, so it does not belong to the scope of social security compensation.

Secondly, regardless of accidental death or illness death, social security has no compensation for death. Social security can only reimburse medical expenses caused by diseases in a certain proportion within the scope of reimbursement stipulated by social security. If a person dies directly due to a sudden illness or major accident, and no medical expenses occur during the period, it is impossible to obtain social security compensation. If you have died before retirement, social security has no corresponding compensation. Only the original premium can be returned in full to the personal account. Medical expenses before death can be reimbursed according to regulations.

Other products in life insurance and commercial insurance are compensated.