Yes, you need to buy medical insurance after buying student insurance. Although student insurance can provide certain protection for students during their school days, its scope and intensity are relatively limited, and it cannot replace the role of medical insurance.
Student insurance usually only covers medical expenses caused by accidents or diseases during school, and the reimbursement ratio is relatively low, generally only about 50% to 80%. In addition, the amount of student insurance is also low, usually only tens of thousands of yuan, which is not enough for serious illness or serious accident.
As the basic medical security system of the country, medical insurance can provide more comprehensive and reliable medical security for the general public. Medical insurance covers a wide range, including outpatient, hospitalization, serious illness and other medical expenses, and the reimbursement ratio is relatively high, generally around 70% to 90%. In addition, the coverage of medical insurance is also high, which can effectively alleviate the economic pressure of patients.
There are the following differences between student insurance and medical insurance:
1. Insured population: student insurance is for students at school, and medical insurance is for all social personnel, including students at school.
2. Payment method: student insurance is generally collected by the school, or it can be paid by the students themselves to the social security center; Medical insurance requires individuals to pay at the social security center themselves.
3. Scope of protection: student insurance mainly provides students with protection such as accidental injury, medical treatment for diseases and hospitalization allowance; Medical insurance mainly provides medical security for individuals, including outpatient service, hospitalization and special diseases.
4. Reimbursement ratio: the reimbursement ratio of student insurance is relatively low, generally around 60%~80%; The proportion of medical insurance reimbursement is relatively high, generally around 80%~90%.
5. Reimbursement limit: the reimbursement limit of student insurance is generally low, generally around several thousand yuan; The reimbursement limit of medical insurance is relatively high, generally around tens of thousands of yuan.
6. Guarantee period: the guarantee period of student insurance is generally during the school period, generally around 4 years; Medical insurance is paid annually, and the guarantee period is relatively long.
7. Other differences: Xue Ping Insurance is designed for accidents that occur during students' school days, including illness, disability and accidental injuries. Medical insurance is aimed at the treatment expenses required by all insured people due to illness or injury in their daily lives. Therefore, Xue Ping insurance is only for the accidental protection of students during their school days, while medical insurance is for the health protection of the whole people.
To sum up, there are some differences between student insurance and medical insurance in terms of participants, payment methods, coverage, reimbursement ratio, reimbursement limit and coverage period.
To sum up, although student insurance can provide certain medical security for students during school, its coverage and intensity are relatively limited. Therefore, even if you buy student insurance, you still need to buy medical insurance to get more comprehensive and reliable medical security.
Legal basis:
Article 23 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "Employees shall participate in the basic medical insurance for employees, and employers and employees shall pay the basic medical insurance premiums in accordance with state regulations." At the same time, Article 30 of the Law stipulates: "The following medical expenses are not included in the payment scope of the basic medical insurance fund: (1) those that should be paid by the industrial injury insurance fund; (2) It shall be borne by a third party; (three) shall be borne by public health; (4) Go abroad for medical treatment. Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party. " Therefore, even if you buy student insurance, you still need to buy medical insurance to get more comprehensive medical security.