When an industrial accident occurs, when you go to the hospital for treatment, the doctor will ask if it is an industrial injury. If it is a work-related injury, the hospital will not take the medical insurance process. Medical insurance and industrial injury insurance are two insurance funds, which cannot be enjoyed at the same time and are different in nature; If the medical expenses incurred after work-related injuries are not reimbursed by the work-related injury insurance fund, the employees may request the employer to reimburse them; According to the relevant laws and regulations of our country, the part that should be paid by the industrial injury insurance fund is not included in the payment scope of the basic medical insurance fund.

The scope of work-related injury is the premise of work-related injury identification, which is generally directly stipulated by law.

Industrial injury insurance refers to a social insurance system in which workers or their survivors suffer accidental injuries or occupational diseases at work, or under specified special circumstances, resulting in temporary or permanent loss of working ability and death, and the state and society provide material assistance.

After a work-related injury accident, the employer needs to apply to the work-related injury department of the Labor Bureau for work-related injury identification within 30 days. If the employer does not apply, the employee may apply within one year; "People's Republic of China (PRC) social insurance law" thirtieth the following medical expenses are not included in the scope of payment 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.