Whether finger skin grafting can apply for medical insurance depends on the local medical insurance policy and individual participation. Generally speaking, finger skin grafting can be reimbursed if it belongs to the scope of medical insurance reimbursement.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation. The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness". To sum up:

Whether finger skin grafting can apply for medical insurance needs to be judged according to the specific medical insurance policy and individual participation. When enjoying medical insurance reimbursement, it is recommended to consult the local medical insurance department or relevant medical institutions to obtain more accurate and detailed information.

Legal basis:

Article 28 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations."

Article 29 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "The part of the insured's medical expenses that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units."