If you are usually out of the house, if you accidentally have a car accident, can you be reimbursed by medical insurance after being injured? If it is during work, is it considered a work injury?
Can I get medical insurance for car accident injuries?
Mr. Tang is an employee of a logistics and transportation company in Guangzhou, mainly running long-distance transportation in Guangzhou. After getting off the highway some time ago, on the way back to the company, he accidentally collided with another car and was injured in a car accident. So can Mr. Tang's hospitalization expenses for injuries in a car accident be reimbursed by medical insurance?
A: It depends on the specific cause of the injury. If Mr. Tang was injured in a car accident after being recognized by the traffic police department, he could not be reimbursed by medical insurance, and the medical expenses incurred would be borne by the third-party responsible person.
If the traffic police determine that the car accident occurred, then the cost of hospitalization for the injury can go to medical insurance.
If it is confirmed that Mr. Tang's injury can be covered by medical insurance, the following conditions must be met in order to be reimbursed:
1. Have enrolled in health insurance
If you are participating in the employee medical insurance, you need to pay for the medical insurance, and if you are participating in the medical insurance for urban and rural residents, you must have been.
2. Seek medical treatment at designated medical institutions
Guangzhou in general. After Mr. Tang was injured, he could only seek medical treatment in a designated medical institution, or be referred to a designated medical institution of his choice for medical treatment after emergency rescue, in order to enjoy the corresponding medical insurance overall reimbursement treatment. If you have not yet gone through the selection point, you can directly enjoy the relevant treatment.
3. Reach a certain threshold of payment
There is no minimum payment standard for outpatient reimbursement, but hospitalization must reach a certain amount of expenses to be reimbursed, and the minimum payment standard of large hospitals is higher than that of primary hospitals, and the specific minimum payment standards are as follows:
(1) Employee medical insurance: 250 yuan for first-level medical institutions, 500 yuan for second-level medical institutions, and 1,000 yuan for third-level medical institutions.
(2) Medical insurance for urban and rural residents: 150 yuan for first-level medical institutions, 300 yuan for second-level medical institutions, and 500 yuan for third-level medical institutions.
4. The drugs used belong to the scope of the medical insurance catalog
The drugs used or purchased can only be reimbursed if they are within the scope of the medical insurance catalog, oh!
Warm reminder: Neighbors like Mr. Tang who need to travel to two places all year round are recommended to apply for the record of medical treatment in other places in time after participating in the insurance, so as to facilitate medical treatment and buy medicine in other places!
Is a car accident at work considered a work injury?
It depends. According to the Regulations of Guangdong Province on Work-related Injury Insurance, it shall be recognized as a work-related injury. It also means that if you are injured in a car accident while at work, after being identified by the traffic police department, the car accident can be recognized as a work-related injury and enjoy relevant work-related injury insurance benefits.
In order to reduce the medical expenses required in the event of an accident and better protect your rights and interests, oh!
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