Although the reimbursement scope of different medical insurance may be different, usually only the reasonable and necessary medical expenses actually incurred by the insured due to illness or accident can be reimbursed. The medical expenses related to childbirth include childbirth, caesarean section, ectopic pregnancy and infertility. And complications caused by childbirth are not reimbursed.

The scope of medical insurance reimbursement is as follows:

1, medical expenses incurred by the insured during the rescue;

2. The corresponding medical expenses of the insured during hospitalization;

3. The expenses incurred by the insured due to the surgeon's use of surgical materials and auxiliary devices;

4. The bed fee of the insured;

5. In principle, the expenses related to rehabilitation physiotherapy of the insured shall not exceed three types. Rehabilitation physiotherapy expenses beyond the scope of medical insurance reimbursement can not be reimbursed, and expenses related to dressing change and rehabilitation function guidance training can also be reimbursed as long as they meet the standards;

6, ambulance fees and other expenses in line with the scope of reimbursement.

The differences between student medical insurance and urban and rural residents' medical insurance are as follows:

1, college students' medical insurance is usually handled by the unified coordination organization of the school after enrollment, and it is handled uniformly in the school to reduce the burden on students. Medical insurance for urban and rural residents can carry household registration books, identity cards and other materials to the community or local social security service centers; You can also register directly through the official social security applet and then pay the fee;

2. College students' medical insurance is paid in time according to the regulations, and they can enjoy the medical insurance benefits of college students from the date of enrollment. Urban and rural residents' insurance is to enjoy social medical insurance benefits from 1 in October to1in February of the following year after payment is made within the specified centralized payment period;

3. College students' medical insurance belongs to the category of urban residents' medical insurance, which consists of basic medical insurance premiums paid by insured students and government subsidies. Medical insurance for college students is paid by colleges and universities. After handling, college students can enjoy the corresponding medical insurance;

4. College students' medical insurance reimbursement is the largest in the hospital, reaching 90%. If the illness is serious, you need to go to the school hospital to issue a referral form, and the medical expenses outside the school need to be reimbursed in advance. Medical insurance reimbursement for urban and rural residents is different in different levels of hospitals, as long as it meets the payment scope of urban and rural residents, it can be reimbursed;

5. College students' medical insurance has no health information, no age, no waiting period and can be renewed. There are certain government subsidies, covering a wide range, mainly including general outpatient service, outpatient chronic disease, outpatient emergency service, outpatient special disease, hospitalization and maternity subsidies. College students began to be reimbursed after entering school.

To sum up, it is conducive to improving labor productivity and promoting the development of production. Medical insurance is the inevitable result of social progress and production development, and the establishment and improvement of medical insurance system will further promote social progress and production development.

Legal basis:

Article 24 of People's Republic of China (PRC) Social Insurance Law

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.