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.

If public medical care is implemented, it will have more advantages than the reimbursement policy of ordinary medical insurance; Compared with local residents' medical insurance, the coverage ratio is higher and more money is reported, but the free medical policy of each school is different and needs to be determined according to the situation;

If the school implements medical insurance for urban and rural residents, in fact, the reimbursement ratio reimbursement policy is similar, but attention should be paid to college students' medical insurance. The first stop must be the school hospital. If you need medical treatment outside the school, you need to open a referral form in the school hospital.

Regarding the medical insurance for college students, do you still need to pay the medical insurance in your hometown?

No matter whether you go to school locally or in other places, you don't have to pay the medical insurance in your hometown, but you can pay it directly at school.

If you go to school locally, the original social security card can continue to be used.

If the school implements free medical care and wants more convenient reimbursement, students can add a resident medical insurance, which is not contradictory.

However, note that if you are hospitalized, there is only one invoice for medical expenses, so reimbursement can only be based on public medical care or residents' medical insurance. If it meets the reimbursement requirements of public medical care, it is suggested that public medical care should be given priority, and the reimbursement ratio will be higher.

The students who saw this answer today made money. I have compiled the whole process of college students' medical insurance from medical treatment to reimbursement into a practical manual, a proper guide to college students' medical insurance!

Students who miss graduation, remember to forward it to college students and prospective college students at home for the benefit of one party.

Most students don't know about college students' medical insurance. It is clear that they have medical insurance, but they still spend their own money in hospital and lose blood for 4 years!

This is not the correct way to open medical insurance for college students.

Shen Lanjun has seen many cases of reimbursement failure, and also talked with many students about college students' medical insurance. He found that everyone's problem was that they didn't understand their school's medical insurance reimbursement policy. Medical insurance seems to be a blind spot for students, and they don't know how to use it.

In fact, as long as we have a good understanding of the required materials and reimbursement process before seeing a doctor, and look at the policy notice or student handbook, it is really not a problem to make good use of college students' medical insurance with our understanding ability beyond the college entrance examination. The key is to know before seeing a doctor.

Because the reimbursement of medical insurance for college students in each school is different, I try to explain the general situation of medical insurance for college students in simple language, so that you can find the "medical insurance benefits for college students" that you missed in those years, and remember to collect and forward them after reading it ~

The main contents of this paper are as follows:

1. How much medical insurance do college students have to pay? Is it worth attending?

1. What is medical insurance for college students?

Medical insurance for college students, as its name implies, is medical insurance for college students.

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.

Note: medical voucher at public expense

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.

University students' medical insurance, social security cards and other vouchers.

2. How much does college students need for medical insurance? Is it worth attending?

Take the simplest example: going to the dentist.

At the end of last year, our colleagues spent seven or eight thousand yuan to protect their teeth because of the terrible tossing of two wisdom teeth and worm teeth.

And her cousin also pulled out two wisdom teeth, and finally only spent 300 yuan. The reason is that her cousin went to the city hospital to see a dentist through the school hospital, and most of the expenses were reimbursed by college students' medical insurance.

Because my cousin has thrown away the reimbursement voucher, I found a voucher in the same situation: three teeth, medical expenses less than 1900, college students' medical insurance reimbursement 1690.

A visit to the dentist not only brought back four years' premium, but also made a small profit. How fragrant it is. Needless to say, in case of serious illness, medical insurance can have more room to play.

Therefore, medical insurance is definitely the most worthwhile insurance for us to participate in.

In particular, countries such as college students' medical insurance also subsidize some premiums, which is very cost-effective.

In recent years, as long as you use it once or twice, you can go back and read books.

If you go to a local university and have already participated in local residents' medical insurance, college students' medical insurance may not participate.

However, if you go to college in other places, it is strongly recommended that you participate in college students' medical insurance and give yourself a four-year guarantee. After all, you spent most of your time in college these years.

At this time, the medical insurance at home can be stopped, because medical insurance can only buy one copy and cannot be reimbursed repeatedly.

College students do not need to pay separately for medical insurance. General schools will charge tuition and fees, ranging from 90 to 380. Some universities will charge all the fees for several years at the beginning of their freshman year.

As long as there is no voluntary surrender procedure, every college student has medical insurance.

If you don't have a medical insurance card, and you are not sure whether you have successfully insured, you can also check it yourself.

Now many cities provide online inquiry channels. For example, students in Shenzhen can choose to work in the official WeChat account and Shenzhen People's Society and log in to check the enrollment situation. Students who log in for the first time need to register their accounts and associate their identity information.

After talking about how to pay, the next step is the highlight of this article, how to use college students' medical insurance.

Second, the specific reimbursement process of college students' medical insurance

Although college students' medical insurance is good, if there is no correct way to open it, you will think it is chicken ribs.

So students, look at the blackboard and draw the key points. We will consider two situations:

1, see a doctor during school.

Need to see a doctor during school, the specific process is as follows:

Medical insurance treatment process for college students

Remember the key points, as long as it is not serious enough to need emergency treatment, you must go to the school hospital, the school hospital, the school hospital first!

Otherwise, it will not be reimbursed or the reimbursement ratio will be reduced.

If it is a serious illness that the school hospital can't solve, if you want to go to a designated hospital outside the school for treatment, you need to go to the school hospital to open a referral form first, and then go to a designated hospital outside the school for treatment.

Note that referral forms are generally limited in time and can only be used once.

The reimbursement of hospitalization expenses in designated hospitals can be directly settled by medical insurance card, and the part paid by individuals can not be reimbursed.

The outpatient expenses need to be paid by yourself first, and then go back to school with the information for reimbursement.

2. During the holiday suspension, internship or exchange abroad.

In the case of daily leaving school, our medical expenses in other places cannot be reimbursed.

For example, if you want to visit friends in other places on weekends and want to see a doctor by the way, you can't report it unless it is a special case of emergency hospitalization.

However, if you need hospitalization due to illness, internship, etc. during the winter and summer vacations, you can go to a local designated medical institution for treatment, and the expenses incurred will be paid in full by the individual first, and relevant materials will be provided for reimbursement after returning to school.

However, it is basically impossible to reimburse outpatient expenses in different places.

However, it should be noted that winter and summer vacations are limited to "at home" public hospitals; If the registered permanent residence moves into the school, it is limited to the public hospital where the registered permanent residence moves out.

Internship and suspension due to illness require students to apply in advance and report to the local medical insurance bureau for the record. The expenses can only be reimbursed after the record is passed.

For example:

During the winter vacation in 2020, Xiao Ming was hospitalized in his hometown hospital for one week because of acute appendicitis, and began to prepare reimbursement materials when he was discharged, mainly including:

1) All medical bills should be stamped with the fresh seal of the hospital.

2) The medical certificate (grade, address and whether it is a designated hospital) is stamped with the official seal of the local social security bureau.

3) The winter and summer vacation certificate shall be stamped with the fresh seal of the school after returning to school according to the holiday notice of official website.

When the reimbursement materials are ready, you can go to the school hospital for reimbursement.

3, back to school reimbursement matters needing attention

If you need to go back to school for reimbursement of medical expenses, you should give the corresponding medical bills and certificates to the responsible teacher of the school hospital. How to reimburse can be consulted in advance. Generally speaking, there are two considerations.

1 sorting bills

First of all, bills and vouchers should be complete, signed and sealed, and prepared in advance. For example, the referral form issued by the school hospital needs the doctor's signature, and the bill issued by the hospital needs the hospital's seal.

Secondly, sorting is a job. General schools will require students to sort out reimbursement documents, and they will correspond to each other one by one. Many teachers will not accept it.

Because on-site ticket checking is chaotic and time-consuming. If you are not at the scene, you can get it directly. In case the bill is missed and can't be reimbursed, who will be responsible is a problem.

For example, the requirement of Sichuan University for bills is that invoices should correspond to lists, and each invoice should correspond to relevant inspection reports, treatment items lists, outpatient medical records, drug sales lists and prescriptions.

So, before you reimburse, remember to find out your school's requirements for these bills. You can find them in the school official website or ask the school hospital teacher in advance.

2 Pay attention to the reimbursement time

College students' medical insurance reimbursement must pay attention to time, and bill reimbursement is generally time-sensitive. Most schools will ask for reimbursement in the current month, and the longest period is within 1-2 months after discharge. If it expires, it will not be reimbursed.

In addition, reimbursement should also pay attention to the opening hours of the school reimbursement window. Many schools don't offer reimbursement every day. For example, the reimbursement window of Sichuan University Hospital is open for half a day every month, and it is also a waste of time to go at other times.

3. What expenses can be reimbursed for college students' medical insurance?

As long as you follow the reimbursement process and take the social security card to the school hospital first, you will enter the normal reimbursement process. If you can, you can. If not, there's nothing we can do, and the school won't lie to us.

But after all, it was bought with real money, so it doesn't hurt to know more. Although there are differences in college students' medical insurance reimbursement policies, they are similar.

As mentioned earlier, there are two kinds of medical insurance for college students, but now most of them have been included in the medical insurance system for urban and rural residents, so this is the main example.

From September 2065438 to September 2009, Xiao Wang became a freshman in Sichuan University. After paying the medical insurance fee, Xiao Wang began to enjoy the following medical insurance reimbursement treatment in September.

1, outpatient reimbursement

Compared with ordinary medical insurance outpatient service, medical insurance outpatient service for college students is a precious welfare.

College students' medical insurance outpatient reimbursement is divided into four parts, focusing on general outpatient service and accidental injury outpatient service.

As long as it is a school hospital or a medical institution designated by the school hospital, the general outpatient service is free of compensation, and the medical expenses are reimbursed by 60%. The deductible for accidental injuries is 50 yuan, and the reimbursement ratio is as high as 90%. Rounding means you don't have to pay for the doctor yourself.

However, each project has its own limitations. For example, during an insurance period (1 year), the general outpatient department will reimburse 500 yuan at most.

But for some special outpatient diseases that need long-term treatment, such as mental illness, hypertension and other chronic diseases, cancer and so on.

If only a few hundred dollars can be reimbursed, it is not enough at all, so college students' medical insurance will reimburse these medical expenses according to the reference hospitalization standard.

2, hospitalization expenses reimbursement

For reimbursement of hospitalization expenses, medical insurance for college students in Chengdu is more powerful, including medical insurance, serious illness in urban and rural areas, and supplementary medical insurance for serious illness.

Judging from the order after going, the large medical expenses of general hospitalization can be reimbursed three times.

Reimbursement 1: basic medical insurance

Reimbursement II: Serious illness in urban and rural areas

Reimbursement III: Supplementary Insurance for Mutual Medical Assistance for Serious Illness

Reimbursement first: basic medical insurance

The level of school hospitals in each university may be different. For example, the school hospital of Sichuan University belongs to the second-class hospital, and the school hospital of Hunan University is the first-class hospital.

Let me explain here that deductible, also known as medical insurance deductible, means that medical expenses can only be reimbursed if they exceed a certain amount.

How to reimburse specifically, through an example to see specifically.

In 2020, Xiao Wang was a sophomore at Sichuan University. After he fell ill, he was transferred to a third-class hospital. He spent a total of 654.38 million yuan, 20,000 yuan for self-funded projects, and the remaining 80,000 yuan can be reimbursed: (8-500) × 60% = 47,700 yuan.

The real reimbursement rate is, but the remaining expenses can be reimbursed for the second time.

Second reimbursement: serious illness in urban and rural areas

The deductible for serious illness in urban and rural areas is 50% of the local per capita disposable income in the previous year, and the excess is reimbursed according to the following rules.

Out-of-pocket expenses of 0-5 thousand: reimbursement of 60%

50,000-20,000: 85% reimbursement

20,000-50,000: 90% reimbursement.

More than 50,000 yuan: 96% reimbursement

In 20 19, the per capita disposable income of Chengdu residents was 39504 yuan, so the deductible amount was 19752 yuan.

Xiao Wang's medical expenses of 80,000 yuan, basic medical insurance reimbursement of 47,700 yuan, deduction of 19752 yuan, the remaining 12548 yuan, critical illness medical insurance reimbursement of12548 x.