The first thing to confirm is that you can't buy critical illness insurance in 200 yuan, because sickness insurance is a kind of insurance that lasts 10, 20, 30 years, and there is no minimum living allowance in 200 yuan. What you pay is accident insurance and accidental medical treatment, because this is the only unified insurance that students pay at school, and the insurance company will pay for the medical expenses caused by accidents.

Secondly, your classmate's hernia is not a serious illness, and you still can't pay for it. If you get a hernia because of an accident, you have to go to the hospital to get a certificate, and then go to the life insurance counter for consultation, otherwise you won't pay for it.