Legal analysis: First, the target audience is different. Medical insurance is aimed at diseases, and the proportion of personal conceit is stipulated; Work-related injury insurance refers to the reimbursement of medical expenses for people who have been accidentally injured due to work, or for recurrent parts of old injuries or complications. Second, the conditions for enjoying treatment are different. The scope and proportion of medical insurance reimbursement can not reach the scope and proportion stipulated by industrial injury insurance. However, after the accident, it is necessary to carry out work-related injury identification and labor ability appraisal in order to enjoy the corresponding work-related injury insurance benefits. Third, the standards for enjoying treatment are different. In the medical insurance treatment, the individual bears the corresponding expenses in proportion, and the treatment period is treated as sick leave. Regarding work-related injury insurance, there are nine items paid by the work-related injury insurance fund, such as medical expenses for work-related injury treatment, rehabilitation expenses, food subsidies for hospitalization, and transportation and accommodation expenses for medical treatment outside the region.

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

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.

Article 38 The following expenses incurred due to work-related injuries shall be paid by the work-related injury insurance fund according to state regulations: (1) Medical expenses and rehabilitation expenses for treating work-related injuries; (2) Hospitalization food subsidies; (three) transportation and accommodation expenses for medical treatment outside the overall planning area; (four) the cost of installing and configuring assistive devices for the disabled; (five) life can not take care of themselves, confirmed by the labor ability appraisal committee of life care costs; (6) One-time disability allowance and monthly disability allowance for disabled employees of Grade I to IV.