First of all, I want to correct you. The medical reimbursement of college students is mainly reimbursed by college students' medical insurance (no insurance premium is required, as long as they are college students, they can enjoy medical insurance benefits), and the general outpatient and emergency medical expenses within the scope of medical insurance are borne by the school 80%. When you say reimbursement by insurance companies, you generally mean paying extra insurance premiums during school. The content is generally commercial insurance for hospitalization and accidental injury. In the case of meeting the reimbursement requirements, the general reimbursement amount is half of the remaining 20% of college students after medical insurance.

First, you must contact the medical office of your university. On the one hand, ask whether your rhinitis surgery is within the scope of medical insurance reimbursement. If it is within the scope, you need to issue a referral certificate because you are not in school but need to be reimbursed by the school afterwards. Students are not allowed to go to the off-campus clinic without authorization, and the medical expenses incurred in the off-campus hospital without authorization are borne by the students themselves. Moreover, schools generally have designated hospitals for medical insurance, and hospitals with accidents in designated hospitals, especially if you may need to go to a foreign hospital for surgery, which requires special approval.

Secondly, if the school approves that you can see a doctor, have surgery or be hospitalized for surgery in other places, you need to apply for reimbursement to the medical insurance institution at the school clinic within 6 months after discharge, with the student ID card and a copy of the student ID card, the original receipt of medical expenses, the discharge summary (the history of serious illness in the outpatient department), detailed accounts and related materials. If it is only an outpatient operation, you don't need to be hospitalized. You need to provide a student ID card, a student ID card, a referral form, a medical expense document (valid within 3 months, invalid after the deadline) and a medical record card, and submit them to the school health center.

In the above situation, as long as it is approved by the school medical office, no matter where the operation is performed, 80% of the reimbursement amount is no problem. However, in view of the trouble of seeking medical treatment in different places, individuals still suggest that it is more convenient to seek medical treatment in designated hospitals in the city where the school is studying if possible. There is also the remaining 20%, and the insurance company can generally reimburse the remaining half 20% only if you are hospitalized. If you are not hospitalized, you may not be covered by insurance. This requires you to know the specific coverage of the insurance you were insured at that time. If you are not sure, you can ask your classmates or the student affairs office of the school. This department is generally responsible for contacting students for commercial insurance.