The reimbursement accident medical insurance and hospitalization medical insurance can also be compensated together, but the final reimbursement amount does not exceed the actual medical expenses.
The question to be noted is:
First, accident insurance includes accidental injury insurance and accidental medical insurance;
Second, accidental injuries are divided into death and disability;
Third,? Accidental injury can be reimbursed repeatedly, and accidental medical treatment cannot be reimbursed repeatedly, but the accidental medical treatment of several insurance companies can complement each other.
Extended data:
Precautions:
After the insured suffers accidental injury, he should first notify the insurance company as soon as possible within the prescribed time limit. The reporting period depends on the local traffic conditions and communication level at that time.
There are 24 hours, three days, seven days and other regulations; Informants can be the insured himself, the beneficiary, the insured, the relatives of the insured, the unit where the insured works and other personnel.
In addition, the insured or its beneficiary must claim the insurance money from the insurer within the claim period stipulated in the insurance contract.
After the insured suffers accidental injury, he can sometimes ask the insurer to pay the insurance money immediately, such as the accidental death of the insured; In most cases, the insured can only determine the degree of disability or medical expenses after a period of treatment.
The accidental injury insurance clauses stipulate the time limit for the insurer to bear the insurance liability. As long as it is within this time limit (usually 3 months to 1 year), the right to claim compensation will not be lost.
References:
Baidu encyclopedia-accidental injury insurance