On July 1, 2011, our country officially promulgated and implemented the "Social Insurance Law of the People's Republic of China", which stipulates that the following medical expenses are not included in the payment scope of the basic medical insurance fund: they should be paid from the work-related injury insurance fund; they should be paid by

If a third party bears the burden; if it should be borne by the public health department; if you seek medical treatment abroad.

Since traffic accidents are mostly accidents with third-party responsibility, medical insurance policies in various places stipulate that traffic accidents are not covered by medical insurance, that is, medical insurance cards cannot be used, and the injured person or the responsible party or the insurance company needs to pay in advance, which is determined by the traffic police

Responsibilities will be borne by each in proportion.

In doing so, on the one hand, it can ensure the reasonable use of medical insurance funds and benefit the insured.

At the same time, it also avoids repeated reimbursement and prevents the victim from receiving more compensation than he spent.

Out of the spirit of humanitarianism, my country’s insurance law stipulates in the medical insurance application for “injuries caused by a third party responsible person” that “the medical expenses shall be borne by the third party in accordance with the law. If the third party fails to pay or the third party cannot be identified, the basic medical expenses shall be borne by the third party.” The insurance fund pays first. After the basic medical insurance fund pays first, it has the right to recover compensation from the third party. "Some places stipulate that "accidental injuries caused by persons who are not responsible after investigation, or accidental injuries caused by one's own mental illness." The portion above the reimbursable threshold for hospitalization medical expenses will be reimbursed according to the prescribed proportion. "This "advance payment" looks beautiful, but it is troublesome to operate.

Because the medical insurance department is not a law enforcement department, it is difficult to understand and investigate the income of third parties. In addition, even if the court decides to recover compensation from the third party, implementation is difficult to ensure in real life, and the safety of medical insurance funds is difficult to ensure.

Therefore, at present, medical insurance institutions in various provinces and cities do not pay for accidental injuries such as traffic accidents, electric shocks, fires, alcohol abuse, drowning, etc., as well as third-party liability.