User question:These agencies has not told us to do the basic medical insurance, trying to use "Corning Life Insurance" instead of the basic medical insurance. Insurance amount is 4 million in additional hospitalization medical insurance out of 3000.2008 years, I have a serious car accident, and now not the end of treatment, but medical expenses have already spent 300 thousand. Insurance salesman, said that the compensable 3000. We know that later, almost to faint! Did not follow the above, because the original notes, I have to fight a traffic injury lawsuit. I want to ask, say that the insurance is good, which in the end what's the use? ? There will be times in life spent 300,000 seek medical treatment? Be able to get back a few 3000? For units as an alternative to the basic medical insurance, reasonable? How do I protect their own legitimate rights and interests? ? ? Thank you downstairs to answer! Advance a large majority of the responsible party for medical bills, but now has been indicted, and the rest as well as compensation to the back. It seems the basic medical insurance for the medical treatment will not have much effect. My area of municipal labor department's website not open, tried many times. Provincial sites, and no complaints from this one. I now ask how I want to do? ?
Experts answer: Hello. First of all, according to the law to participate in social insurance is the enterprise's legal obligations, but also did not participate in health insurance units should also be treated according to the law to ensure that staff, staff sickness medical expenses spent, the proportion of employers should be required to reimburse. Employers have the responsibility to pay social insurance premiums for employees. Concealed, false or forged, altered, base not allowed to violate or refuse to participate in social insurance, labor department has the right of the employing unit shall be warned, punished. Where the unit without going through the social insurance, trade unions may apply to the labor department report in order to safeguard their legitimate rights and interests. According to relevant provisions of the traffic has made it clear the responsibility belongs to the other party, and does not belong to the scope of the basic medical insurance payments. Were the injured party participated in the basic medical insurance, due to traffic accident injuries for the rescue and trauma treatment for medical expenses, is one of the following circumstances, from the basic medical insurance fund, according to the provisions of the basic medical insurance shall be paid: 1. One's own responsibility (including full, part of the responsibility); 2. Non-violation of traffic regulations unintentional injuries (such as merging traffic accidents, sudden illness, but not the obligation due to traffic because of people's); 3. The Traffic Police departments deal with the accident could not be found responsible persons: 4. Because of the responsible party into hiding by police within three months of traffic police department finds that the parties were unable to find, so that the victim party unable to obtain compensation: 5. Materials issued by the court to prove by a court decision to enforce the responsible party for compensation, because of this without financial compensation, so that the insured person can not access to health care compensation: 6. After the end of the first treatment dealing with traffic accidents. Re-hospitalization. The victim side at the same time to participate in industrial injury insurance, according to the first post-injury health insurance sequential processing. Traffic injuries in trauma subjects included in the disease treatment.

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