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当用人单位和劳动者缴纳了社会保险中的医疗保险统筹费用,同时企业或劳动者又购买了商业保险中的医疗保险,结果商业保险公司以劳动者已经从社会保险中获得支付医疗保险金为由,拒绝支付商业保险赔偿。这样的案例和纠纷屡见不鲜,不利于对劳动者权益的保护,而目前保险界和法律界对此问题的认识也存在分歧。本文试做相关探讨。
When the employer and laborer pay social insurance in the overall cost of medical insurance, while businesses or workers also purchased commercial insurance in the medical insurance, the results of the commercial insurance company to workers who have been paid from the social insurance medical insurance payments for the By, refusing to pay commercial insurance compensation. Such cases and disputes are not uncommon and not conducive to the protection of workers’ rights and interests. At present, there is disagreement among the insurance industry and the legal community on this issue. This article try to do related discussions.