Do I still need to pay medical insurance when I have a social security card in college? Do you still need to pay it at school if you pay it at home?

With the social security card, the university needs to pay medical insurance and the family needs to pay it at school.

The nature of these two kinds of medical insurance is different. The medical insurance of the school is for college students, which can be used during the school period and can be reimbursed for the medicine in the school. Cooperative medical care at home is to see a doctor at home. If two kinds of medical insurance are hospitalized, only one can be reimbursed and cannot be merged. Social medical insurance can only be enjoyed once and cannot be enjoyed repeatedly.

Advantages of medical insurance:

Enjoy treatment according to uniform standards. The same access conditions, the same fees, the same treatment, there is no difference between high and low. The employee's outpatient expenses can be deducted from his personal account and paid by the employee after deduction.

The hospitalization expenses of employees shall be reimbursed in proportion: 1 1,000 yuan, and 86% of the expenses shall be reimbursed by tertiary hospitals; 65,438+0,000 to 20,000 yuan, and 88% of the expenses are reimbursed by tertiary hospitals; 20,000 to 40,000 yuan, and 92% of the expenses are reimbursed by tertiary hospitals. If employees have not been sick for several years in a row, personal account funds can be accumulated.

Defects:

There is a basic deductible line for each hospitalization, namely, the first-level hospital 500 yuan, the second-level hospital 750 yuan, and the third-level hospital 1, 000 yuan. These expenses need to be borne by employees themselves. Class A drugs and Class B drugs are reimbursed in proportion, and imported drugs are not reimbursed. If the amount exceeds 40 thousand, you have to pay for it yourself

legal ground

Coverage of Item (1) of Article 2 of the Guiding Opinions of the State Council on Launching the Pilot Project of Basic Medical Insurance for Urban Residents. Full-time undergraduate and full-time graduate students who receive general higher education in various full-time ordinary colleges and universities (including private colleges and universities) and research institutes.

(2) protection mode. College students' hospitalization and serious illness outpatient medical treatment are solved by participating in the basic medical insurance for urban residents where the school is located according to the principle of territoriality. College students pay fees according to local regulations and enjoy corresponding treatment, which is not lower than that of local urban residents. At the same time, in accordance with the existing regulations, continue to do a good job in the daily medical work of college students, so as to facilitate their timely medical treatment.

Encourage college students to participate in basic medical insurance on a voluntary basis and improve the level of medical security by participating in commercial medical insurance.

(3) fund raising. The individual payment standards and government subsidy standards for college students to participate in the basic medical insurance for urban residents shall be implemented in accordance with the corresponding standards for local primary and secondary school students to participate in the basic medical insurance for urban residents. In principle, individual contributions are borne by college students themselves and their families, and colleges and universities with conditions can subsidize their contributions. The government subsidy funds required for college students to participate in insurance shall be arranged by the finance at the same level according to the affiliation of colleges and universities. The central government grants subsidies to local college students in accordance with the basic medical insurance subsidy measures for urban residents. The daily medical expenses of college students shall continue to be subsidized by the finance at the same level according to the affiliation of colleges and universities.

All localities should take measures to subsidize the basic medical insurance premiums that students from poor families should pay and the medical expenses that should be borne by them according to regulations through various channels, such as the medical assistance system, the financial aid system for students from poor families and social charitable donations, so as to effectively reduce the burden of medical expenses for students from poor families.