There are two differences between accident insurance and medical insurance, one is the different coverage and the other is the different types of benefits.

The scope of coverage is different: accident insurance can mainly cover death or disability, accidental medical treatment, etc., while medical insurance mainly covers illness medical treatment and accidental medical treatment;

Different types of compensation: accident insurance is divided into accidental injury insurance and accidental medical insurance, among which, accident insurance belongs to the fixed amount payment type, which can be repeated with other insurance, and accidental medical insurance is a reimbursement product, and cannot be repeated with other reimbursement products; Medical insurance is a reimbursement product, and it cannot be duplicated with other reimbursement products.

Can medical insurance and accident insurance be covered at the same time?

Medical insurance and accident insurance can be reimbursed at the same time, but cannot be reimbursed twice.

Therefore, if the insured has been reimbursed by medical insurance first, then the medical expense protection of accident insurance can no longer be reimbursed for the part that has been reimbursed by medical insurance, and the medical expense reimbursement of medical insurance + accident insurance cannot exceed the actual medical expenses incurred by the insured.

In the case of death benefit, in the case of accident insurance and medical insurance, only accident insurance can provide accidental death benefit, so it can only be paid with accident insurance.