In practice? In practice, after a traffic accident occurs, it is generally treated as a motor vehicle traffic accident. It is difficult to seek compensation from the perpetrator and be reimbursed by medical insurance. It is also difficult to be reimbursed by medical insurance for medical expenses that you bear part of the responsibility for in the traffic accident. However, there are two situations. You can seek reimbursement from medical insurance for part of the medical expenses: First, medical expenses that should be borne by a third party according to law. If the third party does not pay or the third party cannot be identified, if the third party does not pay or the third party cannot be identified, the basic medical expenses shall be borne by the basic medical insurance. The medical insurance fund pays first. After advance payment, the basic medical insurance fund has the right to recover medical expenses from the third party. 2. If you are solely responsible for a traffic accident, and the medical expenses incurred due to your own fault are not covered by the basic medical insurance fund, the medical insurance department must first reimburse the medical expenses. Legal basis: "Article 30 of the "Social Insurance Law of the People's Republic of China", the following medical expenses are not included in the payment scope of the basic medical insurance fund: (1) should be paid from the work-related injury insurance fund; (2) should be paid by a third party (3) Medical expenses that should be borne by the public health department; (4) Medical expenses that should be borne by a third party in accordance with the law. If the third party fails to pay or the third party cannot be identified, the medical expenses shall be borne by the third party. The basic medical insurance fund pays in advance. After advance payment, the basic medical insurance fund has the right to recover from the third party.
Further reading: How to buy insurance, which insurance company is the best, and step-by-step instructions on how to avoid insurance." Pit"