Medical insurance for urban residents is an integral part of social medical insurance. It is a medical insurance system that is led by the government, mainly paid by individual families, supplemented by moderate government subsidies, and provides medical needs for urban residents in accordance with the principle of consistent payment standards and treatment levels.
College students' medical insurance can cross provinces. Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation. The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".
To sum up, college students' medical insurance policy involves urban residents' medical insurance and students' medical insurance, including cross-provincial medical insurance, medical insurance retirement, medical insurance refund and the relationship between medical insurance and social security.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 23
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.