College students' medical insurance is a part of residents' medical insurance, and the standard of enjoying treatment is the same as that of residents where their school is located. You can enjoy basic medical insurance for urban and rural residents and serious illness insurance, and people in need can also enjoy supplementary medical insurance for people with serious illness difficulties. College students can enjoy general outpatient service, outpatient chronic diseases, serious diseases and hospitalization medical treatment after being insured. School medical insurance is also the medical insurance for local urban residents where the school is located, and enjoys the same rights and interests. Moreover, the reimbursement rate of the school doctor's clinic and the school hospital is very high.

The difference between paying medical insurance at home and at school

1, the purchase method is different. Rural medical insurance is purchased by parents for their children, while school medical insurance is purchased collectively by students through schools. The nature of school medical insurance and rural medical insurance is the same;

2. In terms of reimbursement, rural medical insurance can be reimbursed at designated locations, and school medical insurance will be reimbursed by the school together within one year. Students' medical insurance needs to fill in relevant applications and provide corresponding certificates after cure before reimbursement;

3. The entity certificates are different. The entity certificate of rural medical insurance has a medical certificate, and the student medical insurance has only relevant certificates. Many areas do not have entity certificates.

However, if only one of the two types of medical insurance can reimburse hospitalization expenses, it cannot be merged. Because social medical insurance can only be enjoyed once and cannot be enjoyed repeatedly, the medical insurance bought by students at home is a kind of social insurance, which belongs to urban and rural residents' medical insurance and is supported and subsidized by the government. The school buys commercial insurance, with different coverage, different coverage contents and different prices. Generally speaking, medical insurance is reimbursed afterwards and cannot be reused.