Is the social security at home the same as that at school?

Is the social security at home the same as that at school?

Social security at home is not exactly the same as medical insurance at school. Although they are all important parts of the social security system, family social security usually refers to social insurance that family members participate in at work or in the community, including old-age insurance, medical insurance, unemployment insurance and so on. School medical insurance refers to the medical insurance purchased by the school for students, which usually only includes the reimbursement of medical expenses during school.

First, the coverage is different.

Family social security usually provides certain medical expenses reimbursement and economic compensation when family members have an accident or are sick and need medical treatment. The school's medical insurance mainly provides medical security for students, and will reimburse certain medical expenses when they need treatment due to illness or accidental injury on or off campus.

Second, the insured objects are different.

Social security at home is for family members, usually at work or in the community. The school's medical insurance is aimed at the students in school, and the school organizes insurance.

Third, the policies and regulations are different.

Social security at home and medical insurance at school are also different in policy provisions. For example, family social security may determine the insurance cost and reimbursement ratio according to the occupation and income of family members, while school medical insurance usually determines the insurance cost and reimbursement ratio according to school regulations.

To sum up:

Social security at home is not exactly the same as medical insurance at school. They are different in coverage, insured and policies. Therefore, we should pay attention to the distinction in actual use.

Legal basis:

Article 2 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the state shall establish social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in case of old age, illness, industrial injury, unemployment and maternity.

Article 22 of the Measures for Handling Student Injury Accidents in People's Republic of China (PRC) stipulates that schools should buy accident insurance for students. If a student suffers personal injury due to an accident at school, the insurance company shall make compensation in accordance with the insurance contract.