Fast Technology reported on December 13 that a blogger shared a little dry goods about buying car insurance today, which attracted the attention of netizens.
The blogger said that the general car owner generally attaches importance to third-party liability insurance, and will buy 1 million or even 3 million insurance amount, which is fine.
But the dry thing is that after buying a third party, remember to buy the three insurance for medical insurance external drug liability at the same time, which means that in case of insurance, such as hitting a pedestrian, he must use medical insurance external medicine, and he can be reimbursed if he buys it.
The third-party liability insurance that everyone often buys only reimburses the drugs used in the medical insurance, and the third-party insurance for the drugs outside the medical insurance needs to be paid for by themselves, while the third-party insurance for the drugs outside the medical insurance is very cheap, with an insurance amount of only about 40 yuan for 1 million.
Why didn't the insurance company take the initiative to mention this?Because this third-party insurance company outside the medical insurance is not profitable at all, and there is even a risk of losing money;But we know that after asking to buy it, they can't refuse.
In fact, what the blogger said is true, because the rules of car insurance are basically the same as those of medical insurance, and the medical insurance catalog divides drugs into three categories: A, B and C.
Category A drugs are fully compensated, Category B drugs are compensated 80%-90%, Category C drugs are not compensated, and some imported drugs with particularly high **, or drugs for rare diseases, and experimental drugs, are usually classified as Category C.
The liability insurance for external drugs under medical insurance is to compensate for the remaining 10%-20% of the expenses of Class B drugs, as well as all the expenses of Class C drugs, which is equivalent to achieving full coverage.
Although most of the sky-high drugs are used for cancer or rare diseases, which are often unrelated to car accidents, imported bone nails, burn medicines, special infection drugs, etc., are also expensive.
If you are accidentally out of insurance, and the person who is hit needs to use Class C drugs, if the insurance does not pay, the car owner may need to pay for it, and if there is no medical insurance external drug liability insurance, it is also a certain economic burden for the car owner.