1, the purchase method is different. Student medical insurance is purchased by the school, that is, when students pay tuition fees, they will include medical insurance expenses. The medical insurance paid at home is bought by parents for their children. You can register relevant information in the local community and pay fees, or you can pay medical insurance online.
2. There are different forms. Medical insurance for students, especially for college students, includes public medical care and medical insurance for urban and rural residents. Among them, free medical care is the medical security provided by the state free of charge, which can be enjoyed free of charge after enrollment. Medical insurance for urban and rural residents means that students need to pay part of the money to participate, and others have certain subsidies. The medical insurance paid at home is based on local requirements, generally urban and rural residents.
3. The scope of hospitals is different. The first place for medical insurance for students is the school hospital. If you need to see a doctor outside the school, you need to issue a referral form from the school hospital. There is no hospital restriction on the medical insurance paid at home, as long as it meets the designated hospital for medical insurance, but the reimbursement ratio of different hospitals is different.
4. The time to enjoy the treatment is different. Students can enjoy medical insurance benefits from the day they pay premiums, and the medical insurance paid at home is generally paid centrally. Generally, the time to enjoy the treatment is 65438+ 10/to 65438+February 3 1 in the following year, which needs to be paid every year.
5. Different treatment methods. When students return to school for reimbursement of medical expenses, they need to submit the corresponding medical bills and vouchers to the responsible teacher of the school hospital. Under normal circumstances, you will be asked to sort out the bills, and the reimbursement time is at most 1 to 2 months after discharge, otherwise it will not be reimbursed after the time. If the medical insurance reimbursement bought at home is hospitalization, it can be settled directly after discharge. If you need to go back for reimbursement, the materials can be submitted to the local medical insurance department, and the preparation is complete.
6. Employee medical insurance has different insurance methods. If it is necessary to transfer employee medical insurance, the medical insurance paid at home can generally be ignored. If students are insured for medical insurance, some cities need to stop insurance according to regulations to pay employee medical insurance. For example, Shenzhen needs to stop insurance.