Medical insurance paid at home: 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.
Self-payment medical insurance at home refers to the medical insurance for urban and rural residents, which is a kind of basic medical insurance. Medical insurance for college students is included in medical insurance coverage as a part of basic medical insurance. But there are some differences between them, as follows:
1, different time to enjoy the treatment: college students can enjoy the medical insurance treatment from the date of paying the premium; The medical insurance paid at home is centralized, and the time to enjoy insurance is often 65438+ 10 1 to 65438+February 2 1 in the following year.
2. Different insurance methods: college students' medical insurance is often insured by the school, and medical insurance expenses are often included when paying tuition fees; The medical insurance paid at home is paid through online or offline channels.
3. Different subsidy standards: Medical insurance for college students consists of two parts: individual contributions and subsidies. In 200 yuan, the standard for subsidizing individuals to pay 30 yuan is 230 yuan per person per year, and full subsidies are given to low-income families and severely disabled students. Home-paid medical insurance is the per capita 320 yuan subsidy standard for all levels of new rural cooperative medical insurance and residents' medical insurance, with 80% in the western region, 60% in the central region and a certain proportion in the eastern provinces.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 23
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.