Hello, generally speaking, universities will not require students to buy insurance in a unified way, but may recommend students to buy medical insurance, accident insurance, medical insurance and other products. Or the school, as the insured, may buy campus liability insurance and will not ask students to pay.

1. Accident insurance, medical insurance and medical insurance.

Accident insurance covers accidental injuries, and generally covers accidental death, disability, accidental medical expenses, hospitalization allowance, etc. One-year insurance is more common, and the premium is several hundred yuan a year.

Medical insurance generally refers to hospitalization, that is, medical expenses incurred by hospitalization can be settled with insurance companies after exceeding the deductible. The insured amount is generally above 6.5438+0 million, and the premium is several hundred dollars a year;

Xue Ping insurance is generally purchased at the age of 3-24, and college students can also purchase it. It can be regarded as a comprehensive version of medical insurance and accident insurance, with a little responsibility, but not much.

These three types of insurance are characterized by relatively close prices, little purchase pressure and strong practicality. Therefore, the school may choose some related products to recommend to students, but generally it will not force students to buy an insurance, which belongs to the voluntary category.

2. Campus liability insurance.

It is a kind of liability insurance, which means that the school is the insured, and the accident and property loss caused by the school's fault are compensated by the insurance company. The school is the insured and the beneficiary. This kind of insurance is insured by the school and will not require college students to pay.

Suggestions for college students to buy insurance;

Universities are in the preparatory stage of entering the society. College students can consider medical insurance, critical illness insurance and accident insurance when purchasing insurance, and do a good job in basic protection. The premium of critical illness insurance is slightly expensive, so it is recommended to complete it when economic conditions permit. If the economy is really tight, then buy medical insurance and accident insurance first, and then make more detailed insurance allocation according to the company's five insurances and one gold and employee welfare insurance after work.

I hope my answer can help you.