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.

Full-time undergraduate and full-time graduate students who receive general higher education in full-time universities and research institutes. To participate in medical insurance for urban and rural residents, individuals do not need to pay fees, and the central finance and the finance at the same level raise funds to give full subsidies. College students only need to register for insurance. The basic medical insurance for college students does not set up a personal account, and mainly pays the medical expenses for serious illness in-patient and out-patient clinics that meet the requirements.

School medical insurance is medical insurance for college students, which belongs to medical insurance coverage, an urban resident. Full-time undergraduate and full-time graduate students who receive general higher education in full-time ordinary colleges and universities (including private colleges and universities) and scientific research institutes. (except those who have been employed and participated in the basic medical insurance for urban workers). To participate in medical insurance for urban and rural residents, individuals do not need to pay fees, and the central finance and the finance at the same level raise funds to give full subsidies. College students only need to register for insurance. Medical insurance is medical insurance for college students, which belongs to medical insurance coverage, an urban resident.

Article 23 of the Social Insurance Law of People's Republic of China (PRC) * * * Employees shall participate in the basic medical insurance for employees, and employers and employees shall pay the basic medical insurance premium in accordance with the provisions of the state. 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.