If hospitalized, can social security and commercial insurance be reimbursed at the same time?

Legal analysis: it can be reimbursed at the same time. If there are social security and commercial insurance at the same time, then commercial insurance can reimburse the unpaid part of social security, provided that it does not exceed the insured amount of commercial insurance, so it is said that social security is reimbursed first, and then the documents issued by social security are reimbursed to the insurance company for the second time. As long as they meet the payment standards of purchased social security and commercial insurance, they can be reimbursed at the same time.

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

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

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, 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.

People's Republic of China (PRC) insurance law

Article 12 When concluding an insurance contract, the applicant of life insurance shall have insurable interests for the insured. The insured of property insurance shall have an insurable interest in the subject matter insured at the time of the insured accident. Personal insurance is an insurance with human life and body as the subject matter. Property insurance is insurance with property and its related interests as the subject matter. The insured refers to the person whose property or person is protected by the insurance contract and enjoys the right to claim insurance money. The applicant can be the insured.

Article 22 After the occurrence of an insured accident, when the applicant, the insured or the beneficiary requests the insurer to compensate or pay the insurance money according to the insurance contract, they shall provide the insurer with the certificates and materials they can provide to confirm the nature, causes and loss degree of the insured accident. According to the contract, if the insurer thinks that the relevant certificates and materials are incomplete, it shall promptly notify the applicant, the insured or the beneficiary to supplement them.