1. All college students can participate in the insurance, including college students and part-time graduate students in universities and research institutes in the province, which highlights the fairness of education to a certain extent and can bring effective medical security to the majority of college students;
2. College students' medical insurance coverage is wide, individual contributions are low, and outpatient medical care can be solved simultaneously;
3. To some extent, it can solve the high medical expenses of college students due to serious illness.
Medical insurance for college students is actually medical insurance for urban and rural residents. The medical insurance for college students is handled by the school in a unified way, and the payment time is concentrated from September 1 to February 3 1 every year, once a year. The scope of medical insurance for college students includes general outpatient service, outpatient chronic disease, outpatient emergency service, outpatient special disease, hospitalization and maternity allowance.
Benefits of medical insurance for college students:
First of all, college students' medical insurance coverage is wide, and the amount of individual contributions is relatively low. It can also solve the problems of outpatient service and medical treatment at the same time. Incorporating college students into urban residents' medical insurance group can ensure seamless and full coverage of urban and rural residents' medical insurance system.
The enrollment of college students can cover all colleges and universities, including private colleges and independent colleges, which highlights the characteristics of educational equity. Third, medical insurance for college students can be subsidized by governments at all levels according to the prescribed standards on the basis of students' contributions.
In fact, the prevalence rate of college students is relatively low, but sometimes there are serious diseases and many accidents, and students are unable to pay in advance because of their own economic problems. These problems are not well solved by public medical care. If the problem of medical insurance is solved by purchasing commercial insurance, it can also solve the problem of medical treatment for college students to a certain extent, and also reduce the pressure on schools and medical insurance organizers.
In fact, although college students have a medical insurance card after being included in medical insurance, there is no money in the medical insurance card of college students, which only shows that college students have participated in the basic medical insurance for urban residents. You can participate in medical insurance, first of all, in the school hospital. Registration and purchase of medicines in school hospitals can be directly consumed according to the proportion of medical expenses or medical insurance reimbursement.
To sum up, the advantages of college students' medical insurance are: wide coverage, low personal payment and synchronous outpatient treatment. The inclusion of college students in urban residents' medical insurance ensures the seamless connection of establishing a medical security system covering urban and rural residents.
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.