The reason why college students' medical insurance can't be used in hospitals may be that the first hospital where students go to medical insurance is usually the school hospital, and there is no off-campus hospital on the medical insurance card, so they can't directly use the medical insurance card for reimbursement when they go to the off-campus hospital for medical treatment. If you need to see a doctor in a designated hospital outside the school, students must first issue a referral form from the school hospital, and then see a doctor at their own expense in other hospitals, and keep the corresponding bills. After that, students need to submit the bill to the school hospital for reimbursement. After the school hospital audit materials are correct, send them to the medical insurance center for audit. After approval, the reimbursement fee will be transferred to the student's personal bank account.

The basic provisions of medical insurance:

1, eligibility: which groups can participate in medical insurance, such as employees, residents, students, etc.

2. Insurance registration: Insured personnel need to register for medical insurance within the specified time to enjoy medical insurance benefits;

3. Payment standard: the payment proportion and base of different types of insurance are defined;

4. Reimbursement scope: it stipulates the scope of medical services and drugs that can be reimbursed by medical insurance;

5. Designated medical institutions: the insured can only use medical insurance in designated hospitals and pharmacies;

6. Medical treatment in different places: Medical insurance has specific reimbursement policies and procedures for medical treatment in non-insured areas.

To sum up, the reason why college students' medical insurance can't be used in hospitals is because there is no off-campus hospital on the medical insurance card. You need to issue a referral form from the school hospital first, see a doctor at your own expense, then submit the bill for reimbursement, and finally the fee will be transferred to the student's personal bank account.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.