The reimbursement ratio of student medical insurance and resident medical insurance is different. College students who participate in the basic medical insurance for urban and rural residents shall be reimbursed for medical expenses according to the provisions of medical insurance for minors. Their compositions are different: 1. Composition of student medical insurance: The basic medical insurance for primary and secondary school students consists of two parts: individual contributions and government subsidies. The financing standard is 230 yuan per person per year, in which the government subsidizes 200 yuan and the individual pays 30 yuan; For low-income families and severely disabled students, individual contributions are fully subsidized by the government. 2. Composition of general medical insurance: medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 24 The state establishes and improves the new rural cooperative medical system.
Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.
Article 25 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.
Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.
Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.
Derivative problem:
What is the proportion of college students' medical insurance?
College students participate in the basic medical insurance for urban and rural residents, and the insurance year is from July 1 day of that year to June 30 of the following year. The basic medical insurance benefits will take effect from July 1, and the medical expenses will be reimbursed according to the provisions of minor medical insurance: (1) The outpatient medical expenses that meet the requirements will be reimbursed according to the following proportion, and the rest will be paid by individuals themselves: 1. The medical expenses are less than 6544. 2. Medical expenses 1 1,000 yuan or more (including 1 1,000 yuan), and the part less than 5,000 yuan shall be reimbursed by 45%; Medical expenses above 3.5,000 yuan (including 5,000 yuan)10,000 yuan shall be reimbursed by 55%; 4. Medical expenses above 10000 yuan (including10000 yuan) shall be reimbursed by 65%. (two) the medical expenses incurred in the hospital in accordance with the provisions shall be reimbursed according to the following proportion, and the rest shall be paid by the individual. Cumulative calculation of medical expenses incurred in multiple hospitalizations during the year: 1. The proportion of reimbursement for medical expenses below 1 10,000 yuan in tertiary, secondary and primary medical institutions is 55%, 65% and 75% respectively; 2. If the medical expenses 10000 yuan or more (including 10000 yuan) is less than 20000 yuan, the reimbursement rates in tertiary, secondary and primary medical institutions are 60%, 70% and 80% respectively; 3 medical expenses of more than 20 thousand yuan (including 20 thousand yuan), the proportion of reimbursement of tertiary, secondary and primary medical institutions is 65%, 75% and 85% respectively.