1, the essence of student medical insurance: student medical insurance is rural medical insurance (new rural cooperative medical insurance), remote medical insurance and unit medical insurance. Medical insurance purchased by universities, primary and secondary school students and children through the school, the insured students can choose the nearest designated hospital for hospitalization, and the urban school students can go to the medical insurance office of the selected hospital with their student ID cards and ID cards (original household registration). The essence of general 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.

2. Composition of student medical insurance: The basic medical insurance premium for primary and secondary school students consists of two parts: individual contributions and government subsidies. The fund-raising 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. Composition of general medical insurance: Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance through 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. Medical insurance also has two functions of insurance, risk transfer and compensation transfer. That is, the economic losses caused by individual disease risks are distributed to all members threatened by the same risks, and the economic losses caused by diseases are compensated by centralized medical insurance funds.

3. The nature of student medical insurance: Now all parts of the country have implemented student medical insurance, but some places still implement local policies specifically, that is, students outside the local area cannot buy student medical insurance through schools, which is why many students do not enjoy this policy. Nowadays, people have many different views on the implementation of student medical insurance. Many parents think it is unsafe to buy insurance at school, but many parents agree with it very much. Nature of general medical insurance: In the traditional sense, medical insurance refers to raising medical insurance funds among certain insured people in a certain area through mandatory policies and regulations or voluntary contracts.