It is not illegal to apply for medical insurance for traffic accidents, but it is not illegal if it meets the corresponding conditions and meets the following conditions.

1. In the event of a traffic accident, I bear part of the responsibility, and the medical expenses I bear can be reimbursed in medical insurance;

2, traffic accidents generally borne by the third party medical expenses, in the case of the third party does not pay or can not determine the third party, the medical insurance fund can advance; After the medical insurance fund pays, it has the right to recover from the third party;

3. Traffic accidents are caused by your own problems, and you need to bear all the responsibilities for the accidents yourself. The medical expenses arising from this situation can be reported to the medical insurance for reimbursement.

Legal basis:

Item 2 of Article 198 of the Criminal Law

Whoever commits insurance fraud under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan, or his property shall be confiscated:

(2) The applicant, the insured or the beneficiary fabricates false reasons or exaggerates the loss of the insured accident to defraud the insurance money.

Article 30 of the Social Insurance Law

The following medical expenses are not included in the payment scope of the basic medical insurance fund:

(a) shall be paid by the industrial injury insurance fund;

(2) It shall be borne by a third party;

(three) shall be borne by public health;

(4) Go abroad for medical treatment. Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.

Article 23 of the Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.