The reimbursement rate of accident insurance is roughly 80%- 100%, which mainly refers to the reimbursement rate of accidental medical treatment. See the following products specifically:

1. The reimbursement rate of accidental medical treatment in the accident insurance for adults of Ping An Orange Guard is reimbursed by social security, and it is paid at the rate of 100%. If it is not reimbursed by social security, it will be paid according to the proportion of 80%, without compensation, limiting the expenses within the scope of social security and expanding the scope of reimbursement of self-funded drug expenses;

2. The proportion of reimbursement for accidental medical treatment in Burt's Bee No.3 comprehensive accident insurance is reimbursed by social security, and it is paid according to the proportion of 100%; If it does not belong to social security reimbursement, it will be paid according to the proportion of 80%, and 0 will be exempted from compensation;

3. The reimbursement rate of accidental medical treatment in China PICC Armor No.5 adult accident insurance is reimbursed by social security, and it is paid at the rate of 100%. If it does not belong to social security reimbursement, it will be paid at the rate of 80%, and 100 yuan will be exempted from compensation, which is not limited to the use of drugs within the scope of social security;

4. The reimbursement rate of accidental medical treatment in Zhong 'an Little Naughty Boy No.2 accident insurance for children is 65,438+000% of internal and external social security claims, with no compensation, and the scope of social security reimbursement is unlimited.

First, the scope of medical insurance reimbursement is as follows:

1, drugs allowed to be reimbursed within the reimbursement scope of basic medical insurance;

2, within the scope of the basic medical insurance reimbursement allows reimbursement of diagnosis and treatment projects;

3 expenses incurred by medical service facilities that are allowed to be reimbursed within the scope of reimbursement of basic medical insurance. Reimbursement expenses are mainly paid by the overall fund, and individuals have to pay a corresponding part.

Two, medical insurance reimbursement methods are as follows:

1. If you are hospitalized in a designated medical institution, you will bring your medical insurance card and ID card to the settlement window of the designated hospital for direct settlement and accounting when you leave the hospital;

2. If you seek medical treatment in a different place, call the social security bureau where the insured person is located within three days of admission, register for the record, and return to the local social security bureau for reimbursement within one month.

Three, medical insurance reimbursement conditions are as follows:

1, the newly insured and re-insured employees who have stopped paying 1 year or more shall participate in the basic medical insurance according to law and pay for 6 months continuously, and enjoy the basic medical insurance benefits according to regulations;

2, continuous payment of less than 6 months, do not enjoy the basic medical insurance benefits;

3. If the payment is interrupted for less than one year, you will enjoy the treatment according to the regulations after re-insurance payment;

4, the interruption of payment personnel do not enjoy the basic medical insurance benefits during the interruption of payment.

To sum up, the reimbursement rate of accident insurance is generally between 80%- 100%.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

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

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.