Generally speaking, schools will voluntarily let college students buy medical insurance, and the cost is not high. If they buy medical insurance, then college students can enjoy the corresponding medical insurance benefits. First, how to reimburse medical expenses incurred by college students in different places for medical insurance in different places shall be paid in advance by individuals. After discharge, the valid expense documents should be attached with the examination and approval form for the referral of urban residents' basic medical insurance in different places, the diagnosis of discharge diseases, the copy of hospitalization medical records, and the detailed list of hospitalization expenses. , by the university regularly submitted to the social medical insurance agencies for review and reimbursement. Local policies are slightly different, you can consult the school. Second, the query method of basic medical insurance 1, through online query, this query method is more convenient and fast, suitable for the insured who knows computer operation and does not have much time to operate. As long as you ensure that the local social security bureau has the function of online inquiry, you can inquire relevant information online. First, find the website of the local social security bureau online, open the website page, and enter personal information such as personal social security card account number, inquiry password, ID number, and you can find your latest account information. 2. Ask the insured by phone or telephone. Just call the Social Security Bureau at 12333 to make an inquiry. Enter the social security card number and account password, and then follow the voice prompts. If you need manual service, you can also consult related questions through manual service. 3. Local inquiry is the most direct way, but it will be a little more troublesome, requiring the insured to run in person, which is more suitable for the elderly who can't operate computers and mobile phones for a certain period of time. Insured persons can directly bring their identity documents and residents' medical insurance cards to the service hall of the local social security bureau to print the payment list, and can inquire about relevant information in detail. Third, what will affect the insured's medical insurance reimbursement ratio 1? Different levels of medical institutions have different reimbursement ratios. The state encourages patients to go to primary hospitals for minor illnesses and to big hospitals for serious illnesses. In order to guide patients, the reimbursement rate of grass-roots hospitals is higher than that of large hospitals, and the deductible line of some local grass-roots hospitals is also set lower than that of large hospitals. Therefore, the reimbursement rate of medical expenses incurred by the same type of insured in different levels of medical institutions will be different. 2. In the case of the same level of medical institutions, the reimbursement ratio of employee medical insurance and resident medical insurance is different. Because there are differences between employee medical insurance and resident medical insurance in terms of participation and financing, employee medical insurance pays an average of several thousand yuan a year, while resident medical insurance pays only a few hundred yuan a year, so the reimbursement treatment is different. In the case of the same level of medical institutions, the proportion of reimbursement expenses is also different, the proportion of employee medical insurance reimbursement is slightly higher, and the amount of reimbursement is also more. 3. In the case of the same medical institution and the same insurance, whether the insured person of employee medical insurance is on the job will also have an impact on the reimbursement ratio. Generally speaking, the reimbursement ratio of the insured and retirees of employee medical insurance is higher than that of the employees. Under the same level, the reimbursement ratio of public hospitals and private hospitals is the same. According to the medical insurance policy, as long as you seek medical treatment in designated medical institutions, the reimbursement ratio is only related to the identity of the insured (employees, residents, on-the-job, retired, etc.). ) and the level of medical institutions, regardless of the public or private nature of medical institutions. Therefore, the insured need not worry about going to private hospitals for less reimbursement, and can choose hospitals according to their own needs. According to the law, we can know that the medical expenses incurred by insured college students in different places are paid in advance by individuals first, and then reimbursed with valid expense documents and related materials after discharge.
Legal objectivity:
People's Republic of China (PRC) social insurance law
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.
People's Republic of China (PRC) social insurance law
Article 23
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.
People's Republic of China (PRC) social insurance law
Article 23
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.
People's Republic of China (PRC) social insurance law
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.