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A basic principle of basic medical insurance for college students is to include all college students under the jurisdiction of the city in the scope of basic medical insurance for urban residents; to focus on guaranteeing inpatient and outpatient medical care for college students and to continue to do a good job of daily medical care, and to gradually improve the level of medical care; to set up a sound mechanism for the collection of funds for medical insurance and a mechanism for the sharing of costs, and to give key subsidies to college students from economically disadvantaged families. College student medical insurance implementation of "Fuzhou City, urban residents of basic medical insurance trial approach" (Rong Zhengzong [2007] No. 249). Second, the basic medical insurance for college students are enrolled in all kinds of full-time ordinary schools of higher education (including private colleges and universities, independent colleges and universities, adult colleges and universities full-time ordinary classes), research institutes (hereinafter referred to as colleges and universities) within the jurisdiction of Fuzhou City, including overseas Chinese, Hong Kong, Macao, and Taiwan students who are full-time undergraduates and postgraduates (hereinafter referred to as college students) who are undergoing higher education. The universities review the contents of the data, enter and summarize the basic information of individuals, and submit the basic information, relevant forms and premiums collected to the Municipal Medical Insurance Center according to the regulations. Colleges and universities will review the contents of the data, enter and summarize the basic information of individuals, and submit the basic information, relevant forms and premiums collected to the Municipal Medical Insurance Center according to the regulations. Third, how to handle the college students to participate in the insurance college students to submit a copy of their resident ID card or household register, a recent one-inch color photo and other relevant information college students to fill out the registration form for participation in the insurance, registration and payment procedures for participation in the college to review the content of the information on the basis of the individual information into the summary, and in accordance with the regulations will be the basis of the information, the relevant forms and the premiums received submitted to the Municipal Medical Insurance Center. Fuzhou Municipal Medical Insurance Center verifies the personal information and imports it into the system, and checks the payment status. Fuzhou Municipal Medical Insurance Center produces medical insurance cards for college students, which are handed over to colleges and universities to be distributed to the insured college students. 4. The basic medical insurance contribution standard for college students is 120 yuan per person per year in Banyan college students' annual medical insurance financing level. Among them, the individual contribution is 40 yuan and the government subsidy is 80 yuan. Students from economically disadvantaged families will be subsidized by the same level of finance in accordance with the affiliation of the university. Fifth, the medical insurance treatment of college students hospitalization and outpatient medical expenses incurred by the medical insurance fund to pay the starting standard, the maximum payment limit and the proportion of individual contributions, in accordance with the primary and secondary school students to participate in the city's urban residents of the corresponding standards of basic medical insurance implementation. (A) outpatient major diseases and hospitalization medical insurance co-ordination fund payment methods 1, outpatient major diseases and the first hospitalization of the starting standard (the co-ordination fund began to pay the "threshold"): medical institutions, participants in the third A (excluding specialties) three B, two A, and two A and more than two A specialties, two B, the first level of community health service centers, township health hospitals for college students 400 yuan 200 yuan 150 yuan 75 yuan yearly RMB 200 RMB 150 RMB 75 RMB Multiple hospitalizations within the year will be reduced by RMB 100 in order of the above starting standard until it is reduced to zero. Two or more outpatient major illnesses are calculated according to one starting standard.2. Coordinated fund payment ratio (the proportion of the integrated fund after the starting standard of the integrated fund and before the ceiling line of the integrated fund of medical insurance): medical institution insured persons of the third A (excluding specialties), the third B, the second A, and specialties of the second A or above, the second B, the first level of community health service centers, township health center, township health center college students 60%70%75%80%.3. Capping line: within the year (1 January to 1 January, the first level of community health services center, township health center, college students) Within the year (January 1 to December 31), the maximum payment limit of the integrated fund is 60,000 yuan (including the starting standard and the personal burden of medical fees within the scope of the basic medical insurance catalog). (ii) Student Accidental Injury Insurance Benefits: After enrolling in the insurance, school students are entitled to accidental injury supplemental insurance for non-disease injuries caused by sudden, external, and unintended accidents and natural disasters. Specific compensation standards are as follows: 1. Reasonable and necessary emergency ambulance fees incurred in the hospital outpatient (emergency) clinic as a result of an accidental injury, as well as medical expenses within the scope of the "Three Catalogs" of Fuzhou Residents' Medical Insurance, will be compensated at a rate of 95%. 2. The annual compensation limit is 5,000 RMB. 2. If the student suffers from accidental injury resulting in disability or burns, the student will be liable for the insurance benefit according to the degree of disability, and the maximum amount of benefit is 15,000 RMB. 3. If the student suffers from accidental injury resulting in death, the student will be paid 15,000 RMB for the accidental death insurance benefit. Students should report the accident to the insurance company within 3 days after knowing the occurrence of the insurance accident at 83327551. vi. Outpatient Major Diseases and Treatment Items for College Students (1) Chemotherapy and Radiotherapy for Malignant Tumor; (2) Dialysis for Critical Uremic Disease; (3) Anti-rejection Treatment after Organ Transplantation; (4) Schizophrenia; (5) Aplastic Anemia; (6) Diabetes Mellitus; (7) Hypertension; and ) hypertension; (8) hemophilia; (9) outpatient critical illness rescue; (10) epilepsy; (11) systemic lupus erythematosus; (12) bronchial asthma VII. Confirmation of Outpatient Major Diseases and Treatment Programs for College Students The confirmation of outpatient major diseases and treatment programs is a two-step process: first, by the second level or above of the designated general hospitals or specialty hospitals, the relevant specialties, the deputy director of a physician, to make a clinical diagnosis, fill out the Fuzhou Urban Residents' Basic Medical Insurance Outpatient Major Diseases and Treatment Program Confirmation Form", and report it to the medical insurance section of the medical institution for confirmation and stamping; and secondly, the insured patient (or his/her family members) will hold the "Confirmation Form" and the medical records of the selected hospitals, and his/her medical insurance card, and go to the medical insurance center to confirm the filing. Eight, the incentive mechanism for continuous participation in the residents' health insurance for a full year of continuous participation in the medical insurance fund payment ratio by the previous year's payment ratio increased by 1 percentage point, the cumulative increase of no more than 5 percentage points of the first time to participate in the insurance. The following expenses will not be paid by the university student health insurance fund: 1. medical expenses at non-designated medical institutions (except for resuscitation); 2. medical expenses for injuries caused by traffic accidents, medical malpractice or other accidents; 3. medical expenses for injuries caused by drug abuse, fights, violations of the law and other injuries; 4. medical expenses for treatment of self-injury, self-inflicted injuries, alcoholism, drug addiction, sexually transmitted diseases and so forth; 5. medical expenses for treatment of drug abuse, self-inflicted injuries and other injuries caused by drug abuse, self-inflicted injuries and other injuries, Sexually transmitted diseases, etc.; 5. Cosmetic, orthopedic, physiological defects, etc.; 6. Unauthorized transfer of medical expenses; 7. Expenses that have been paid for by other types of insurance, commercial insurance, third-party liabilities, etc.; 8. Other non-payable expenses stipulated by the national, provincial and municipal medical insurance policies. How to get hospitalized? If college students must be hospitalized due to their medical condition, they should go to the school hospital (medical office) of the school they are attending with their medical insurance cards, student ID cards or resident ID cards to go through the hospitalization procedures, and be hospitalized in the school hospital if they can be treated in the school hospital; if the school hospital is incapable of treating them, they should be transferred to a designated medical institution of the coordinated area for treatment; however, the school hospital (medical office) should register and report to the Fuzhou Municipal Medical Insurance Management Center. If the disease that cannot be treated by the highest medical institution in the coordinated area needs to be transferred to a hospital outside the coordinated area for inpatient treatment, it must be diagnosed by experts from the provincial-level general hospitals or specialized hospitals at or above the municipal level designated by the medical insurance, confirming that it needs to be transferred to an overseas hospital for treatment and going through the relevant formalities, and reported to the Medical Insurance Management Center for approval. XI. How to reimburse the procedures and medical expenses for medical treatment in other places? If college students reside outside the coordinated area during holidays, study breaks and educational internships, research projects and social investigations stipulated by the university, and need hospitalization or outpatient treatment for serious illnesses, they should register with the medical insurance agency through the university's college students' medical insurance management department, and choose the designated medical institutions of the place of their residence to seek medical treatment, and the incurred medical expenses shall be paid in full by the individuals in the first place, and reimbursement procedures shall be carried out after the completion of the medical treatment. The medical expenses incurred will be paid in full by the individual first, and reimbursement procedures will be carried out after the completion of medical treatment. If you need to transfer to a medical institution outside the coordinated area for medical treatment, you should provide the opinion of the chief physician of the provincial level 3 or above medical institution designated for medical insurance, and the transferring hospital should send it to the medical insurance center for the record after stamping, and the expenses will be paid in full by the institution or the student himself/herself, and you can apply for the reimbursement procedure after the end of medical treatment with the following documents: 1) Medical insurance card; 2) Expense bills and lists (stamped by the hospital's official seal or the fee stamp); 3) Resident's long and short doctor's order form and the summary of the hospitalization (a copy of it stamped by the hospital) Hospital seal); 4, hospitalization checklist; 5, the settlement account number of the Agricultural Bank of China to the Municipal Health Insurance Center for reimbursement procedures. The settlement year of the basic medical insurance for college students is from January 1st to December 31st. If a new student has participated in the basic medical insurance for urban residents or the new rural cooperative medical care in the place of household registration before enrollment, he/she can continue to enjoy the corresponding treatment in the place of original enrollment in the insurance period of the current year; if a new student participates in the basic medical insurance for college students in the year of enrollment, he/she can pay the basic medical insurance premiums from September to December of the current year according to the regulations, and enjoy the corresponding treatment of the basic medical insurance. If the insured university students graduate, finish their studies, fail to complete their studies or are canceled according to the regulations on school registration, they are still entitled to the basic medical insurance treatment for university students during the insurance period of the year when they go through the procedures of leaving school. If the insured university students go through the procedure of suspending their studies according to the regulations on school registration, they will continue to enjoy the basic medical insurance treatment for university students during the period of suspension. XIII. Example of the calculation of the medical insurance fund payment for hospitalization of insured students When insured students are hospitalized, they will settle the medical expenses with the designated medical institutions by swiping their medical insurance cards. Assuming that the insured university student Xiao Li is hospitalized in Fuzhou No.1 Hospital for the first time during the year, his medical expenses*** amount to RMB 7,650 yuan, of which RMB 7,380 yuan is within the scope of the medical insurance catalog. Since the starting standard of the medical insurance fund is 200 RMB and the payment ratio is 70% when the university student is hospitalized in the No.3 B Hospital, the amount paid by the medical insurance fund when Xiao Li is discharged from the hospital will be: (7380-200) × 70% = 5026 RMB.