Controversy over liability insurance for foreign drugs. Some people think it's very useful, while others think it's nonsense and sheer insurance company hype. However, it is important to understand the meaning behind this type of insurance.
There is a reason behind the emergence of this type of insurance. In the exemption clause of the three-party liability insurance, there is a clear provision that the insurance company is not responsible for compensating for the part of the expenses that exceed the clinical diagnosis and treatment guidelines for road traffic accident injuries and the standard of similar medical expenses of the national basic medical insurance. To put it simply, if you do not purchase medical insurance for external medication liability, you may have to bear this part of the cost yourself. However, as long as this type of insurance is purchased, the insurance company must compensate for the expenses outside of medical insurance.
However, we cannot ignore the relevant provisions of the legal provisions. According to Article 19 of the Interpretation III of the Supreme People's Court on Several Issues Concerning the Application of the Insurance Law of the People's Republic of China, the insurer cannot refuse to pay insurance benefits on the grounds that the insured's medical expenses exceed the scope of basic medical insurance. Only if the insurer has evidence to prove that the expenses incurred by the insured exceed the standard of the same medical expenses of the basic medical insurance, the insurer can refuse to pay the excess.
To better understand this, we can take an example. Suppose you accidentally knock out someone else's tooth while driving, the normal cost of a dental implant is 3,000 yuan. Regardless of whether the 3,000 yuan is covered by medical insurance, the insurance company needs to compensate. However, if the injured insist on using imported medicine and the best way, and the total cost reaches 10,000 yuan, of which 7,000 yuan exceeds the normal standard, then the insurance company can not compensate for the excess part.
In practice, court decisions vary from region to region. For example, courts in Jiangsu, Tianjin, Liaoning, Hubei and other places do not support insurance companies' deductibles for non-medical expenses in many cases. However, in some cases in Guangxi and Hunan, as long as the insurance company can prove that it has explained the exemption clause to the user, the court upholds the waiver of non-medical expenses.
So, should we buy this insurance? If the insurance company provides this additional insurance, and it is not high, for example, 38 yuan 5 cents 5 can get 10,000 yuan of insurance amount, then it is a good choice to buy it. It can help us avoid some unknown risks or legal troubles. But if your insurance company doesn't have this type of insurance, there's no need to change insurance companies. As long as we are insured normally, in the event of an accident, as long as it is a normal ** expense, it is usually difficult for the insurance company to escape the liability for compensation. Remember to pay attention to and collect this article, so that more car owners can benefit and enjoy a safe and orderly driving life together!