The difference between medical insurance for college students and medical insurance for residents

First, the difference between college students' medical insurance and urban and rural residents' medical insurance

1. The differences between medical insurance for college students and medical insurance for urban and rural residents are as follows:

(1) is essentially different. Student medical insurance refers to rural medical insurance, new rural cooperative medical insurance, off-site medical insurance and unit medical insurance. General medical insurance refers to the basic medical insurance to compensate workers for economic losses caused by disease risks;

(2) Different components. Medical insurance for college students consists of individual contributions and government subsidies. General medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance through contracts and establishes medical insurance funds.

(3) Different in nature. The nature of student medical insurance has certain geographical restrictions, and it is impossible to benefit all students. The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members and government funding, so that sick social members can get necessary material help from the society and reduce the burden of medical expenses.

2. Legal basis: Article 3 of the Social Insurance Law of People's Republic of China (PRC).

The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 8

Social insurance agencies provide social insurance services, responsible for social insurance registration, personal rights and interests records, social insurance benefits payment and other work.

Second, what is the use process of college students' medical insurance?

1, medical insurance is divided into two accounts, personal account, and the money reflected in the medical insurance card can be used to buy medicines at designated pharmacies, pay outpatient expenses and pay the part of hospitalization expenses that the individual pays; The overall account is managed by the medical insurance center, and the expenses incurred by the insured who meet the local medical insurance reimbursement are paid by the overall account;

2. When seeking medical treatment, show the medical insurance card to the designated hospital to prove the identity and registration of the insured. The part of medical insurance reimbursement is settled by medical insurance and hospitals, and individuals do not need to pay in advance before reimbursement. At the time of checkout, the part paid by the individual is paid by the balance of the medical insurance card and cash.

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There are some differences in the application scope and characteristics between college students' medical insurance and residents' medical insurance. First of all, medical insurance for college students is mainly aimed at college students, aiming at providing basic medical security. Its scope of application is usually limited to college students, covering the reimbursement of medical expenses during college. Residents' medical insurance is widely applied to urban and rural residents, including non-college students, covering the reimbursement of residents' medical expenses. Secondly, the characteristics of medical insurance for college students residents are designed for the special needs of college students. Usually, the premium is lower and the reimbursement policy is more flexible. Residents' medical insurance pays more attention to universal coverage and has a more comprehensive guarantee and reimbursement policy. In a word, understanding the application scope and characteristics of the two is helpful for college students and residents to choose the medical insurance scheme that suits them.

Legal basis:

People's Republic of China (PRC) (China) Social Insurance Law:

Chapter III Basic Medical Insurance

Article 24 The state establishes and improves the new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.