First, should medical insurance be paid at school or at home?
1. First of all, it must be clear that both ordinary residents' medical insurance and college students' medical insurance can be reimbursed in different places.
2. Now the medical insurance has been networked all over the country, and it can only be paid once a year. Because the school pays fees in September every year, residents' medical insurance pays fees at the end of each year. Therefore, after the start of school, after the medical insurance expenses and tuition fees are paid together, the medical insurance in my hometown can no longer be paid.
3. School medical insurance is also the medical insurance for local urban residents where the school is located, and they enjoy the same rights and interests. Moreover, the reimbursement rate of the school doctor's clinic and the school hospital is very high.
4. It is relatively convenient for college students to choose school medical insurance when they stay in school for a long time and in the city where the school is located. Even if you meet an emergency when you go back to your hometown in winter and summer vacation, you can pay for it yourself and then apply for reimbursement.
If the school and hometown are the same city, it doesn't matter whether you are at home or at school, mainly depending on the size of the school clinic and school hospital.
Second, is there a conflict between college medical insurance and medical insurance bought at home?
There is no conflict between college medical insurance and medical insurance bought at home.
The medical insurance of the university and the medical insurance of the hometown can be paid, so the coverage will be wider. However, college students' medical insurance and hometown medical insurance can only enjoy one of them, and college students' medical insurance reimbursement is generally high.
The difference between rural medical insurance and school medical insurance;
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 a fixed point, and school medical insurance will be reimbursed by the school that 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.
The difference between health account and personal account:
1. The health account can buy medicine at the designated pharmacy within the scope stipulated by social security, and the personal account balance is deducted first when the hospital outpatient service is settled, and the unpaid part can be paid by the health account; Personal accounts are used for outpatient or inpatient treatment in designated hospitals;
2. The amount issued by the health account will be less than that of the individual account. The above is the difference between health accounts and personal accounts, both of which are social security account classifications. Social security health account refers to the fund account set aside from the actual balance of the insured's personal medical account for comprehensive health protection among himself, his parents, children and his spouse. Personal social security account means that the social insurance agency establishes a social security number for each person who participates in social endowment insurance according to the State Bureau of Technical Supervision, and records the endowment insurance premium transferred by the unit according to the regulations and all the endowment insurance premiums paid by the individual, which serves as the basis for calculating and distributing the endowment insurance premium in personal account when the person who participates in social endowment insurance retires.
Third, is the medical insurance for college students paid at school?
College students' medical insurance is paid at school.
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. It consists of two parts: the basic medical insurance premium paid by the insured students and the government subsidy. The payment time is to enjoy the social medical insurance benefits of residents from the date of insurance. Residents' medical insurance is paid by individuals on an annual basis, and no personal account is established. Pay during centralized payment according to regulations. The main policies for college students to pay medical insurance are as follows:
(1) Insurance coverage: full-time undergraduate and full-time graduate students of general higher education accepted by all kinds of full-time ordinary colleges (including private colleges) and research institutes.
(II) Guarantee mode: medical treatment for serious illness of college students in hospital and out-patient clinic is solved by participating in the basic medical insurance for urban residents where the school is located according to the principle of territoriality. College students pay fees according to local regulations and enjoy corresponding treatment, which is not lower than that of local urban residents. At the same time, in accordance with the existing regulations, continue to do a good job in the daily medical work of college students, so as to facilitate their timely medical treatment. Encourage college students to participate in basic medical insurance on a voluntary basis and improve the level of medical security by participating in commercial medical insurance.
(III) Financing: The individual payment standards and government subsidy standards for college students to participate in the basic medical insurance for urban residents shall be implemented with reference to the corresponding standards for local primary and secondary school students to participate in the basic medical insurance for urban residents. In principle, individual contributions are borne by college students themselves and their families, and colleges and universities with conditions can subsidize their contributions. The government subsidy funds required for college students to participate in insurance shall be arranged by the finance at the same level according to the affiliation of colleges and universities. The central government grants subsidies to local college students in accordance with the basic medical insurance subsidy measures for urban residents. The daily medical expenses of college students shall continue to be subsidized by the finance at the same level according to the affiliation of colleges and universities.
All localities should take measures to subsidize the basic medical insurance premiums that students from poor families should pay and the medical expenses that should be borne by them according to regulations through various channels, such as the medical assistance system, the financial aid system for students from poor families and social charitable donations, so as to effectively reduce the burden of medical expenses for students from poor families.
Legal basis:
Article 25 of the Social Insurance Law The state establishes and improves the basic medical insurance system for urban residents.
The basic medical insurance for urban residents combines individual contributions with government subsidies.
People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.