In general, enterprises will pay social security to their employees, including work-related injury insurance, medical insurance, endowment insurance, maternity insurance and unemployment insurance. Can medical insurance and work-related injury insurance be reimbursed at the same time in the process of work? Let's see the following brief introduction for details.
Can medical insurance and industrial injury insurance be reimbursed at the same time?
As we all know, medical insurance and work-related injury insurance are important parts of social insurance, but many people don't know it very well, even some people ask questions, can medical insurance and work-related injury insurance be reimbursed at the same time?
In response to this problem, professionals say that if employees are injured in the process of work, they should first identify the work-related injuries. After identifying the work-related injuries, all medical expenses are paid by the work-related injury insurance, and medical insurance cannot be used. Medical insurance is used to treat sick or non work-related injuries of employees. If no work-related injury is recognized or recognized as non work-related injury, medical insurance can only be used for reimbursement.
1. According to the provisions of the social insurance law, basic medical insurance and work injury insurance are different types of insurance. Work injury insurance is to ensure that employees who suffer from accident injury or occupational disease due to work get economic compensation and medical treatment. The basic medical insurance is to protect the basic medical expenses of employees who are not injured or sick on business.
2. According to the regulations on work related injury insurance, if an employee is injured in an accident due to work, the unit shall report to the local labor administrative department within one month for the determination of work related injury. If the injury is determined to be a work related injury and the work ability is evaluated after the injury is stable, the employee shall enjoy the corresponding work related injury treatment according to the assessed disability level.
To sum up, medical insurance and work-related injury insurance are two different types of insurance. If you are injured at work, the medical expenses are all borne by work-related injury insurance after the identification of work-related injury, and medical insurance cannot be used. If no work-related injury is recognized, or it is not, medical insurance can only be used for reimbursement. Therefore, medical insurance and work-related injury insurance cannot be reimbursed at the same time.