The difference between medical insurance for college students and general medical insurance
Medical insurance for college students belongs to medical insurance for urban and rural residents. Besides paying lower fees than other types of medical insurance, it also has these unique characteristics: 1. Medical insurance for college students, as its name implies, is medical insurance that only college students can buy. 2. Method of purchase Students must purchase university medical insurance by the school. Generally speaking, the university will uniformly notify the purchase of college students' medical insurance at the beginning of the semester, and students must go through the admission level formalities according to the school channels in order to enjoy the corresponding treatment according to their status. 3. The related expenses incurred by other types of medical insurance insured in designated hospitals and pharmacies can be reimbursed. College students can enjoy medical insurance benefits not only in designated hospitals, but also in university outpatient departments. However, school outpatient departments are generally treated for minor illnesses, and if they are seriously ill, they still have to go to other hospitals.
So I suggest asking which schools have designated medical insurance, or all designated medical institutions in the city are universal, generally designated medical institutions in the city are universal. You can call 12333 for consultation. 4. Reimbursement methods Generally speaking, other medical insurance participants need to use social security cards or medical insurance cards when reimbursing medical expenses. College students' medical insurance cards are generally their own campus cards. When they see a doctor, they can directly brush the campus card in the school outpatient department and enjoy the corresponding medical insurance benefits.
If you need to go to a designated medical institution for medical treatment, you need to open a referral certificate at the outpatient department, and then register for reimbursement at the outpatient department with relevant documents.
If you see a doctor outside the school (that is, the place where college students participate in medical insurance), most areas can pay for medical expenses themselves, and then go back to school to find the school's handling teacher to help contact the municipal medical insurance handling department, and reimburse them with invoices, cases and other medical expenses documents.
In short, college students' medical insurance is very convenient to use and pay, and the price is relatively low. I suggest all college students use it and cherish it!
Do college students have medical insurance? College students have medical insurance. Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.
The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".
Medical insurance reimbursement conditions are as follows:
1, the insured person must go to the designated medical institution of basic medical insurance or the designated retail pharmacy determined by the social insurance institution with the medical prescription issued by the doctor in the designated hospital;
2. The medical expenses incurred by the insured in the process of medical treatment must conform to the scope and payment standards of the basic medical insurance drug list, medical treatment items and medical service facilities standards, and can be paid by the basic medical insurance fund according to regulations;
3. The medical expenses incurred by the insured that meet the payment scope of basic medical insurance shall be paid by the social medical pooling fund in a unified proportion, with the expenses above the Qifubiaozhun and below the maximum payment limit. This law is based on the Social Insurance Law of People's Republic of China (PRC).
Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations. Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.
The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.
College students with medical insurance participate in urban residents' medical insurance. The school will handle the payment uniformly. After applying for medical insurance, college students will receive medical insurance certificates and medical insurance cards issued by the school for the following purposes:
(1) The current medical insurance card has not been activated uniformly, so it cannot be used by online inquiry or credit card at present.
(2) Under normal circumstances, one-time payment of medical insurance premium (based on tuition) is only valid for the next school year (September of that year 1 to August of the following year1). Under normal circumstances, the accumulated reimbursement during this period shall not exceed that of 500 yuan.
(3) Cary actually has no money, so at present, our card only says that we have participated in the basic medical insurance for urban residents. Notice of the General Office of the Ministry of Health on Doing a Good Job in College Students' Participation in the Basic Medical Insurance for Urban Residents
Three, establish and improve the basic medical and health service system, do a good job in the daily medical work of college students.
According to the "Guiding Opinions of General Office of the State Council on Incorporating College Students into the Pilot Scope of Basic Medical Insurance for Urban Residents", after incorporating college students into the basic medical insurance system for urban residents, we should continue to do a good job in the daily medical work of college students in addition to effectively ensuring the serious illness needs of insured college students in hospitalization and outpatient service.
Medical insurance for college students is divided into two categories:
Free medical care: this is free medical care provided by the state, and students can enjoy it free of charge after entering school.
Medical insurance for urban and rural residents: the medical insurance for urban and rural residents is subsidized by the state, and students also need to pay part of the money, which is a kind of medical insurance for urban and rural residents.
At present, except for a few universities such as Beijing and Shanghai, which still provide free medical care, the medical insurance of most universities in China has been incorporated into the local medical insurance system for urban and rural residents.
If the medical insurance for college students we participate in belongs to the medical insurance for urban and rural residents, then the school will issue social security cards, but some universities will only issue simple certificates of participation.
We must keep all these vouchers for reimbursement in future treatment.
College students pay medical insurance in a unified way. Medical insurance for college students is a part of residents' medical insurance. After insurance, you can enjoy general outpatient service, outpatient chronic diseases, serious diseases and hospitalization medical treatment. Under normal circumstances, a medical insurance fee can only guarantee the medical insurance for the next school year (September of that year 1 to August of the following year1). In addition, if you have insured at school, you don't need to apply for medical insurance at home, because medical insurance can't be reimbursed repeatedly, so it is meaningless to insure repeatedly. Of course, if you are worried about serious health problems or unexpected risks during school, you can consider taking out commercial health insurance and accident insurance to increase protection.
Medical insurance is a voluntary form, and the school will do statistics. School medical insurance is cheaper, because it is for students, and paying doctors has some advantages. But some schools are compulsory, such as general Luqiao student schools. They will be forced to pay medical insurance, because their occupational risks are relatively high, and the school does not want to share this responsibility, so they will be forced to ask students to pay. Medical insurance is paid once every academic year. In addition, our school hospital is the first medical insurance hospital, so if you need to see a doctor in other designated hospitals, you need to open a referral form in the school hospital, then pay in other hospitals first (you can't swipe your card), and then take the corresponding bills to the school hospital for reimbursement. Therefore, it is basically useless to swipe your card at other designated hospitals or pharmacies.