The following are the purchase methods of medical insurance liability insurance for external use:

1. Online purchase: you can log in to the insurance company official website or a regular third-party insurance sales platform to buy, fill in the insurance information and upload the required materials.

2. telephone insurance: call the telephone channel of the insurance company, transfer to manual service, inform the demand, and the manual customer service will handle the insurance.

3. Off-line purchase: You can bring your ID card to the service counter of the insurance company to apply for purchase.

medical insurance external drug liability insurance is an additional insurance for auto insurance, and you can only buy it if you are insured with the main insurance of third party liability insurance, which belongs to commercial auto insurance.

The coverage of medical insurance liability insurance for external use varies according to different insurance companies and products, and generally the coverage ranges from tens of thousands to hundreds of thousands. The amount of insurance depends on personal needs and economic strength. It should be noted that the higher the insurance coverage, the greater the responsibility of the insurance company during the insurance period, so the economic pressure of patients when using drugs other than medical insurance will be reduced accordingly. However, if the insured amount is too high, it may also lead to too high premium, which needs to be selected according to personal economic conditions.

To sum up, when purchasing the external drug liability insurance for medical insurance, you need to read the terms carefully, understand the insurance liability, deductible, compensation ratio, exclusion liability and so on, and make a choice according to your personal needs and actual situation.

Legal basis:

Social Insurance Law of the People's Republic of China

Article 2

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., to guarantee citizens' right to get material help from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

article 26

the treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

article 28

medical expenses that meet the requirements of the basic medical insurance drug list, diagnosis and treatment items, medical service facilities and emergency treatment and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.