First, the concept of medical insurance for college students
The full name of medical insurance for college students is medical insurance for college students, which belongs to the category of medical insurance for urban residents and consists of basic medical insurance premiums paid by insured students and government subsidies.
College students' medical insurance payment procedures are relatively simple. General schools will handle insurance payment procedures in a unified manner. After handling, college students can enjoy multiple medical insurance benefits including outpatient service, emergency service and hospitalization, which is an indispensable guarantee for college students.
Different from commercial insurance, it is an important part of the national policy social security system.
Second, the benefits of medical insurance for college students
1, zero threshold
There is no "threshold" for college students to participate in insurance, and there is no need for physical examination in advance. All kinds of students who meet the insurance conditions can participate in the medical insurance for college students, even those who drop out of school due to illness but still retain their school status.
2. There is no waiting period
After joining the insurance within the specified time, you will enjoy the treatment from September of the year of joining the insurance 1, with no limit on the deductible period.
3. A wide range of reimbursement
General outpatient service (such as cold and fever), accidental injury (such as sports injury), emergency (such as acute gastroenteritis), chronic diseases, special diseases and hospitalization can all be reimbursed.
4, can be reimbursed in different places.
Those who transfer, drop out of school or drop out of school during the period of enjoying medical insurance benefits are not affected and can continue to enjoy the medical insurance benefits of the year. Medical treatment in different places during holidays and internships can be reimbursed.
Third, can social security replace college students' medical insurance? Why?
No, there are three main reasons:
First, social security is divided into employee social security and resident social security. College students' medical insurance is a part of residents' social security, so college students' medical insurance is actually social security, and no one can replace anyone.
Secondly, what we usually call social security mostly refers to employee social security, that is, "five insurances": old-age insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance.
For unemployed college students, maternity insurance, industrial injury insurance and unemployment insurance in social security are actually useless.
And after graduation, you can sign a formal labor contract to buy employee social security.
Third, if you buy social security as an ordinary resident, it includes two parts: residents' pension and residents' medical insurance. However, college students have no financial independence, can't pay endowment insurance, and can only enjoy medical insurance benefits.
Therefore, college students' medical insurance, as the government's safeguard measures for college students' medical care, is the exclusive welfare of college students with low payment and wide coverage, which can minimize their medical burden. If the economy is not particularly difficult, it is still necessary to pay.
legal ground
People's Republic of China (PRC) social insurance law
Article 26
The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.
Article 27
Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.
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.