First, the difference between medical insurance for college students and medical insurance at home
College students' medical insurance is generally attended at the place where the school is located, which mainly guarantees the medical expenses of college students during their school days. Home medical insurance refers to the medical insurance where the household registration is located, which guarantees the medical expenses of family members in the household registration. There may be differences in coverage and reimbursement ratio between the two.
Second, is there a conflict?
In theory, college students can participate in medical insurance at home and at school. However, there may be some conflicts in actual reimbursement. Because medical insurance reimbursement needs to follow the principle of "insurance first, then rescue", that is, some expenses are reimbursed through medical insurance first, and the rest are solved by other means. If you have participated in both college students' medical insurance and family medical insurance, you may need to choose one of them before considering other methods.
In addition, there may be differences in medical insurance policies in different regions, and whether there are conflicts needs to be determined according to local policies.
Third, how to resolve conflicts.
If college students have participated in medical insurance at home and at school at the same time, and there is a conflict in actual reimbursement, you can try the following methods to solve it:
1, understand the local medical insurance policy, and clarify the coverage and reimbursement ratio of the two kinds of medical insurance;
2, according to the actual situation, choose the type of medical insurance that gives priority to reimbursement;
3. If you still can't solve the conflict, you can consult the local social security department or relevant institutions for help.
To sum up:
In theory, college students' medical insurance and family medical insurance can coexist, but there may be some conflicts in actual reimbursement. In order to solve these conflicts, college students need to understand the local medical insurance policy and choose the appropriate reimbursement method according to the actual situation. At the same time, the government and relevant departments should also strengthen the publicity and interpretation of medical insurance policies to help college students better understand and apply medical insurance policies.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 23 provides that:
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.