2. Medical insurance for college students also belongs to social medical insurance, including basic medical insurance for urban workers, basic medical insurance for urban residents and new rural cooperative medical insurance (NCMS). At present, all social medical insurance can only be used locally and cannot be used elsewhere.

3. Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection. Through national legislation, according to the principle of compulsory social insurance, employers and individuals pay the basic medical insurance premium and establish a medical insurance fund to avoid or reduce the economic risks caused by illness and treatment of workers.

Extended data

1, Harbin will include college students in the pilot scope of basic medical insurance for urban residents, which is expected to be implemented in September 2009. The enrollment and guarantee of college students' medical insurance will be carried out according to the academic year. The payment standard and treatment standard will be compared with the student and child insurance policy of urban residents' medical insurance. It is estimated that individuals will pay 30 yuan every year, and college students from low-income families will be insured free of charge.

2. The basic medical insurance for college students in Kazakhstan adheres to the principle of voluntariness, and the insured college students implement territorial management, focusing on ensuring basic medical needs. Its coverage includes: full-time undergraduate and full-time graduate students who receive general higher education in ordinary universities (including private universities) and research institutes in various cities.

3. The basic medical insurance fund for college students consists of the basic medical insurance premium paid by the insured college students and government subsidies. The fund-raising standard is 1 10 yuan per person per year, in which the financial subsidy is 80 yuan, the college students and their families pay 30 yuan, and the financial subsidy for the college students from low-income families is full, and the college students themselves do not pay.

4, college students in designated medical institutions hospitalization use pooling funds, set up Qifubiaozhun and maximum payment limit, and determine the Qifubiaozhun above the maximum payment limit below the individual pays.

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