Legal analysis: law. Loan insurance is to protect the rights of banks. In case you don't pay back the money, the bank will directly seek compensation from the insurance company, so the bank will have no loss. Yes, but the insurance company will guarantee you and charge you a fee.

Legal basis: Article 8 of People's Republic of China (PRC) Social Insurance Law. The medical expenses incurred by the insured in the agreed medical institutions that meet the basic medical insurance drug list, diagnosis and treatment items and medical service facilities standards shall be paid from the basic medical insurance fund in accordance with state regulations. If the insured really needs emergency treatment and rescue, he can seek medical treatment in a non-agreement medical institution; The scope of drugs that must be used for rescue can be appropriately relaxed. The specific measures for the management of emergency and rescue medical services of the insured shall be formulated by the overall planning area according to the local actual situation.