医保外用药责任三者险有必要买吗?

9个月前 (05-13) 0 点赞 0 收藏 0 评论 2,942 已阅读

新版车险续保的思考

新版本车险于2020年9月19日正式生效,但是我并没有赶上,故车险一直都是老版本的。到今年8月份到期第一次续保新版本保险。对于新版本的车险,这里不探讨各家车险的比较、价格、服务等,根据本次购买新版出现的经历,结合自己的想法,故写了本文,内容偏个人主观想法,是否偏颇,还请大家指正,期待深入探讨交流。

续保情况

车险快到期30天左右,保险公司就开始给我打电话,给报价。最终购买的车险主要有:交强险(车船税),车损,三者200万,驾乘险。后自己在保险公司的APP上,自己新增了三者医保外用药责任险,不共享保额,保额200万。

三者及三者节假日翻倍

去年的三者购买保额是100万,今年感觉100万不够用。原本打算选择三者200万,然后再附加三者节假日翻倍,即节假日翻倍为400万。主要因为本人平时工作日上下班都靠地铁或者步行,周末出行才开车。按照此方案投保,但投保不通过,保险公司客服给出的解释是:本地三者最高300万,或者100万加节假日翻倍。原因为高保额可能会有道德风险。故实际最后投保了三者200万。

咨询保险公司,三者节假日的定义是:

法定节假日包括:中华人民共和国国务院规定的元旦、春节、清明节、劳动节、端午节、中秋节和国庆节放假调休日期,及星期六、星期日,具体以国务院公布的文件为准。
法定节假日不包括:1、因国务院安排调休形成的工作日;2、国务院规定的一次性全国假日;3、地方性假日。

由此可见,国家法定节假日11天,加上一年52周的周六周日,算下来大约115天,也就是一年近1/3的时间,可以三者保额翻倍。关键这个附加险还不贵,就几十块钱,个人觉得很划得来购买。用户直述:什么是三者医保外用药险

三者医保外用药

医保外用药责任三者险有必要买吗?

医保外用药责任三者险有必要买吗?

如果发生交通意外,伤及其他人,会发生医疗赔偿。但是购买的交强险和三者,都不赔付医保外用药。以保险公司的交强险和三者的条款为例:

交强险:
第七条 交强险合同中的抢救费用是指被保险机动车发生交通事故导致受害人受伤时,医疗机构对生命体征不平稳和虽然生命体征平稳但如果不采取处理措施会产生生命危险,或者导致残疾、器官功能障碍,或者导致病程明显延长的受害人,参照国务院卫生主管部门组织制定的交通事故人员创伤临床诊疗指南和国家基本医疗保险标准,采取必要的处理措施所发生的医疗费用。

三者:
第三十条 保险人按照《道路交通事故受伤人员临床诊疗指南》和国家基本医疗保险的同类医疗费用标准核定医疗费用的赔偿金额。

同时从“中国裁判文书网”上查找到大量交通事故中,保险公司不承担医保外用药赔偿的案例。如2021年08月16日,湖南省湘潭市中级人民法院民事判决书((2021)湘03民终1338号),文书显示:


针对孙X的上诉太平洋财险公司答辩称,关于医保外用药费的问题。交强险和商业三者险的条款都有明确的约定,孙祥本人也承认收到了保险条款,本案中的非医保用药费是经过一审人民法院委托司法鉴定部门进行的审核,所以相应的费用应该由孙X本人承担。

故建议在购买车险的时候,附加三者医保外应用责任险,费用也不贵,同时可以选择是否共享保额。关于是否共享保额,咨询了保险公司加上自己的理解:共享保额,即共享三者的保额,如发生医保外用药理赔,则从三者保额里面赔偿,最高不超过三者保额。如果不共享保额,则可以单独选择医保外用药保额,我理解为为三者医保外用药单独投了一个险。

经过我测算,三者医保外用药,如果共享三者200万的额度,为35元左右,如果不共享保额,100万的保额为36元,200万为57元左右。相对来说都不贵,建议都加上。

驾乘险

在购买的交强险、车损险、三者险及三者医保外用药附加险,梳理下,可以发现:

交强险:保别人的财产及生命安全
车损险:保自己的车辆
三者险:保别人的财产及生命安全

购买的保险,可以保自己的车,保别人的车,别人的命,而自己车上相关人员如发生交通意外,却没有保障?!难道自己的命不值钱?如果不局限于车险,其实最好的保障是每个人都单独购买意外险。但是有时会拉个朋友或者亲戚,如果发生意外,对方没有购买意外险,则只能自己掏腰包。所以最好的选择是单独购买驾乘险,保障车上每一位人员。车险里虽然有司机险和乘客险,但保额都很低,聊胜于无。我个人建议单独购买驾乘险,同时应该选择跟车不跟人的驾乘险,即乘坐该车上的人员发生意外都可以赔付。

但是上述驾乘险,依然存在一个问题,只报销医保内用药。最稳妥的办法,还是每个人购买一份人身意外险,保障更全面。

其它方面

经过上述配置,相信车险已经基本能覆盖各方面。但是车险毕竟是事后补救,转移风险。关键还需要驾驶人员谨慎驾车,遵守交规。同时还需要注意保险条款中的免责部分,如肇事逃逸、饮酒驾车、毒驾、无证驾驶等保险公司都不会赔偿的。

最后希望保险购买之后,都用不上。

推荐阅读:
车险怎么买最划算?教你这3个诀窍!
车险哪家保险公司好?车险官方排名告诉你!
车险避坑—三责险

关于医保外用药责任三者险的问题,欢迎留言交流。

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药店橱窗玻璃装饰贴纸医保刷卡医保定点大药房医院标志门贴墙贴 券后价¥35 天猫 优惠券¥1 立即领券
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