Is it necessary for college students to buy medical insurance?

Medical insurance is very important, even college students should buy medical insurance during their school days. Although many college students are too young to get sick easily, once they get sick, there is no medical insurance, and it costs a lot of money to treat them at their own expense. I hope each of us can buy a medical insurance for ourselves, so that life can be guaranteed.

First, it is also necessary for college students to pay medical insurance.

Medical insurance is very important to each of us, because with medical insurance, we don't need to spend a lot of money to treat diseases after we get sick. Therefore, even college students should buy medical insurance during their school days. And now the medical insurance introduced by the school is not particularly expensive. Buying a medical insurance will not have much impact on our quality of life.

Second, college students may also get sick.

Many college students feel that they have never been seriously ill, so it is not cost-effective to buy medical insurance. In fact, even if college students are in their prime, they are not easy to get sick, but no one can say for sure. College students who have not purchased medical insurance may have to pay all medical expenses at their own expense once they get sick. Without medical insurance reimbursement, all self-funded medical expenses are a burden for every college student.

Three, the benefits of medical insurance for college students:

Wide coverage, low personal payment, and synchronous outpatient treatment. The inclusion of college students in urban residents' medical insurance first ensures the seamless connection between the establishment of a medical security system covering urban and rural residents.

Secondly, all college students can participate in the insurance, covering all kinds of colleges (including private colleges and independent colleges) and research institutes in the province, and part-time graduate students, especially private colleges and independent colleges, highlighting the fairness of education.

In addition, on the basis of students' individual contributions, according to the affiliation of colleges and universities, the central, provincial and municipal finances implement classified subsidies according to the prescribed standards.

Urban residents' medical insurance is a medical insurance system with urban minors and unemployed residents who have not participated in urban workers' medical insurance as the main participants.

It is an important measure for the CPC Central Committee and the State Council to further solve the medical security problems of the broad masses of people and continuously improve the medical security system after implementing the basic medical insurance system for urban workers and the new rural cooperative medical system. Mainly to make institutional arrangements for medical insurance for urban non-employed residents. The appearance of this system is of great significance in the process of social insurance system reform in China, which points out the direction for the reform of social insurance system in China.

legal ground

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes 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 accordance with the law when they are old, sick, injured, unemployed and have children. Article 23 of the Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.