The main reason why accidental injuries cannot be covered by medical insurance is that the insurance coverage and insurance types of accidental injury insurance and medical insurance are different.
1.Medical insurance is mainly for diseases**, while accidental injuries are non-disease risks and are not covered by medical insurance.
2.There are certain regulations on the collection and use of medical insurance**, which is mainly used to pay for the medical expenses incurred by the insured due to illness and other reasons. Including accidental injuries in the scope of medical insurance may lead to an excessive burden on medical insurance** and affect the treatment of other diseases.
3.The risk of accidental injury can be spread by purchasing commercial insurance, such as accident insurance, travel insurance, etc. These insurance products can make up for the lack of insurance in this area by providing more professional protection for accidental injuries.
4.For some special accidental injuries, such as work-related injuries, there are special types of insurance to cover, such as work-related injury insurance, transportation, etc. These systems already cover accidental injuries and do not need to be covered by medical insurance.
To sum up, the insurance coverage and type of insurance for accidental injuries and medical insurance are different, so accidental injuries usually cannot be reimbursed by medical insurance. Hope the above is helpful to you!