College students can generally buy basic medical insurance, micro-medical insurance, accidental injury insurance and serious illness insurance, as follows:

1, basic medical insurance: college students' medical insurance or urban and rural residents' medical insurance, choose one. Basic medical insurance is a national welfare guarantee, with low premium and wide coverage, but only medical expenses in medical insurance can be reimbursed.

2. Micro-medical insurance: Micro-medical insurance has the advantages of low premium, low deductible and low insured amount, which can be mainly used to deal with minor illness risks.

3, accident insurance: college students generally have more extracurricular activities, most of them like to travel, so the probability of accidents is also there. Accident insurance can generally cover accidental death or disability, accidental medical treatment, etc.

4. Critical illness insurance: College students are generally in good health, mostly 18 -24 years old. At this time, it is easier to be informed by health and the premium is relatively cheap. Critical illness insurance can mainly protect malignant tumors, sequelae of severe cerebral hemorrhage and other serious diseases, and the insured can directly pay an insurance premium after suffering from a serious illness.

The scope of reimbursement for college students' medical insurance cards:

1, if the medical expenses are insufficient 1000 yuan, 35% will be reimbursed; 2. Medical expenses 1000 yuan or more (including 1000 yuan).

2, less than 5000 yuan, 45% reimbursement;

3, medical expenses in more than 5000 yuan (including 5000 yuan), less than 10000 yuan, 55% reimbursement;

4, medical expenses in 1 ten thousand yuan (including 1 ten thousand yuan) above, reimbursement of 65%.

To sum up, according to public information, medical insurance for college students includes reimbursement for accidental injuries, which is a kind of personal accident insurance, including accidental injuries, accidental injuries and hospitalization.

Legal basis:

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

Article 30

The following medical expenses are not included in the payment scope of the basic medical insurance fund:

(a) shall be paid by the industrial injury insurance fund;

(2) It shall be borne by a third party;

(three) shall be borne by public health;

(4) Go abroad for medical treatment.

Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.