Third-party liability insurance (hereinafter referred to as "third-party insurance") refers to the amount of compensation that should be paid by the insured according to law if an accident happens to a qualified driver allowed by the insurer in the process of using the insured vehicle, and the insurer shall compensate according to the relevant provisions in the insurance contract.
External medical insurance liability insurance does not share the insurance amount with third party liability insurance. This is an additional risk. Car owners can choose not to insure or insure according to their actual needs and premium budget. The insured amount can be 5000 yuan, 1000 yuan, 20000 yuan, 50000 yuan. The higher the insured amount, the higher the premium. In addition, the external liability insurance of medical insurance mainly means that when the insured vehicle has an accident and the owner should bear the medical expenses of a third party, the insurance company will compensate the medical expenses other than medical insurance according to the contract. The liability insurance for external use of medical insurance is an additional risk among the three types of insurance, which can protect the insured or its licensed driver from personal injury or property loss of a third party in the process of using the insured vehicle. The three types of insurance may not be responsible for claims for external use of medical insurance, but the external liability of medical insurance may be responsible for compensation.
Medical insurance external liability insurance can be voluntarily insured by the owner. If you think you have relevant needs, you can consider taking out insurance, or you can relieve some financial compensation pressure for yourself after the accident.
Medical expenses liability insurance other than auto insurance and medical insurance is an additional insurance of the three types of insurance, which mainly ensures that when the insured or its authorized legal driver has an insured accident in the process of using the insured vehicle, causing personal injury or property loss to a third party, the insured or its authorized legal driver shall be liable for compensation, and the third party liability insurance will not pay medical expenses other than medical insurance. In fact, this is the same reason that we have social security and need to buy commercial medical insurance. Social security reimburses the drugs and services in medical insurance when we are hospitalized, while self-funded drugs and services other than social security are not reimbursed and need to be paid out of our own pockets. Therefore, social security and commercial insurance are complementary.
Then, it depends on whether you are willing to spend these tens of dollars to avoid this small probability risk. If you are a steady and cautious driver and feel that there will be no traffic accidents and there is no need to waste money, then you don't have to buy it; If you are a risk-averse person and don't want to have any risks during driving, you can spend some money to pass these risks on to the insurance company, which is also a precaution. The last thing we should have is luck. The occurrence of risk is often not determined by subjective will, but more often unknown and random, depending on the individual's risk awareness and ability to cope with risks.
In addition, the external medical insurance liability insurance can be obtained in the following environments: if the insured vehicle causes personal injury or death to outsiders during driving, the medical expenses incurred in the outpatient service outside social security can be reimbursed within the limit. To put it simply, if an accident occurs within the scope of the three liability insurance, compensation can be stopped for medical expenses other than social security, fund-raising network, futures fund-raising network and medical insurance foreign drug liability insurance that have not been settled in the three liability insurance.
Therefore, the external medical insurance liability insurance can be regarded as an additional insurance for outsiders' liability insurance, and the owner can choose to insure according to his own realistic environment.
Exemption from external drug liability insurance of medical insurance;
As long as it is insurance, there will be no compensation, and so will the liability insurance for medical expenses other than auto insurance and medical insurance. The insurer is not responsible for the following losses and expenses:
1, the loss of the insured can be compensated under other insurance types with the same protection as the medical expense liability insurance other than auto insurance, and the medical expense liability insurance other than medical insurance is not liable for compensation;
2. Medical and medical expenses unrelated to the insured accident;
3. Special medical expenses.
Legal basis:
People's Republic of China (PRC) insurance law
Article 65
The insurer may directly compensate the third party damage caused by the insured of liability insurance according to the law or the contract.
After the insured of liability insurance causes damage to a third party, and the insured's liability for compensation to the third party is determined, the insurer shall directly compensate the insurance money to the third party at the request of the insured. If the insured fails to pay the claim, the third party has the right to claim directly from the insurer for the part that should be compensated.
If the insured of liability insurance causes damage to a third party and the insured fails to compensate the third party, the insurer shall not compensate the insured's insurance money.
Liability insurance refers to the insurance whose subject matter is the liability of the insured to the third party according to law.
Article 66
If the insured of liability insurance is sued for arbitration or litigation due to an insurance accident that causes damage to a third party, the insurer shall bear the arbitration or litigation expenses and other necessary and reasonable expenses paid by the insured, unless otherwise stipulated in the contract.