1. The insured objects are different: the insured objects of medical insurance are all urban and rural residents who need to participate in medical insurance, including urban workers and urban and rural residents, while the insured objects of college students' medical insurance are full-time college students, including full-time undergraduates and graduate students in various universities.

2. Different payment standards: The payment standards of medical insurance vary according to different regions and policies, and are generally paid by individuals and units, while the payment standards of college students' medical insurance are relatively low and are usually collected by schools.