没有它三者险白买了是真的吗?

9个月前 (05-13) 0 点赞 0 收藏 0 评论 156 已阅读

最近一打开抖音,推荐的全是“医保外用药责任险”,小畅抱着好奇的心态搜索之后发现关于这个话题的点赞量都很高。

没有它三者险白买了是真的吗?
为什么大家都在谈论这个话题呢?医保外用药责任险到底是什么呢?为什么没有它三者险都白买了呢?相信大家心里都有很多的疑问。下面,杏林港湾小编带着大家一起来了解一下吧!
没有它三者险白买了是真的吗?
什么是医保外用责任险
全称附加医保外医疗费用责任险(机动车第三者责任保险)
在2020版中国保险行业协会机动车商业保险示范条款中涉及到人员伤亡补偿的是两个主要险种,分别是《机动车第三者责任保险》和《机动车车上人员责任保险》,并且这两个险种明确以黑体字的形式列明“超出《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同类医疗费用标准的费用部分”保险人是不负责承担的。
这一条从条款的法律效力和契约精神来看,保险公司对于因为交通事故直接造成人员伤亡所产生医药费的这部分赔偿范围,扣除医保范围的费用是没有问题的。
举个例子:如果开车撞到人,首先走交强险,交强险的医疗是只负责赔偿医保内用药,强制保额不够赔了,再走三者险,这个时候三者额外用药才会起到作用。
第三者责任险对于医保外用药本身是不可给予理赔的,而三者医保外用药责任险属于第三者责任险的附加险,主要针对除去医保内用药部分的赔偿,但是特需医疗不可保障,不是各种短视频上所说的,撞到人,就百分百赔!
医保外用药责任险的作用
有网友会疑惑“为什么没有医保外用药责任险,三者险就白买了呢?
没有它三者险白买了是真的吗?
由上图可知,三者险是不报销社保外的费用,也就是说不管三者险买的多高,社保外的那部分费用都得你自己来掏腰包。
那医保外用药责任险有什么作用呢?
没有它三者险白买了是真的吗?
由上图可知,附加医保外用药责任险明显列明了对于应当由被保险人赔偿且超过《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同类医疗费用标准的部分负责赔偿。
简单来说,就是可以将原来那部分需要双方自行协商后自行补贴的那部分医疗费用,通过理赔流程获得赔付,从而降低了矛盾的产生。
所以三者险加上医保外医疗费用责任险才是完美组合。
费用到底是谁出
那需要双方自行协商后自行补贴的那部分医疗费用,应该由谁出呢?
首先依据交警部门认定的事故责任,依据事故责任归属,从而确定是机动车方出,还是非机动车方出,或者就是双方结合责任认定书的责任各自分摊,但是恕小畅直言,这将是一个争议产生的原点和痛点。
免责情况
《附加医保外医疗费用责任险》这款附加险也是有其责任免除的部分。
针对于下列损失、费用,保险人不负责赔偿:(一)在相同保障的其他保险项下可获得赔偿的部分;(二)所诊治伤情与主险保险事故无关联的医疗、医药费用;(三)特需医疗类费用。
没有它三者险白买了是真的吗?
温馨提示
除了责任免除方面的提示,还有就是这款附加责任险,是必须在机动车投保了机动车第三者责任保险或机动车车上人员责任保险的机动车,可投保本附加险。同时赔偿限额采取的是被保险人和保险人协商确定的,并且这个限额为了保护双方的合法权益,是要在保单上进行载明的。
最后小畅建议大家,如果经济条件允许,大家不妨可以考虑为自己的车辆保险增添一下这款《附加医保外医疗费用责任险》
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人寿保险车险礼品 车载行车记录仪可定制其他公司logo 券后价¥222.3 淘宝 优惠券¥10 立即领券
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