How to find out how many years of medical insurance college students have paid?

College students' medical insurance inquiry methods: official website inquiry, Alipay inquiry and WeChat inquiry.

1. official website query: search the local human resources and social security bureau in the webpage, find the human resources and social security network official website, enter the service hall, and make an inquiry according to the prompt information;

2. Alipay inquiry: enter Alipay, find the citizen center, and find medical insurance for inquiry;

3. WeChat inquiry: enter WeChat, find city services, and find medical insurance for inquiry.

Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation. Therefore, medical insurance also has two functions of insurance: risk transfer and compensation transfer. That is, the economic losses caused by individual disease risks are distributed to all members threatened by the same risks, and the economic losses caused by diseases are compensated by centralized medical insurance funds.

Commercial medical insurance

It can be divided into reimbursement medical insurance and compensation medical insurance.

Reimbursement medical insurance means that the medical expenses spent by patients in hospitals are reimbursed by insurance companies, which are generally divided into outpatient medical insurance and inpatient medical insurance.

Compensatory medical insurance refers to the fact that the patient is definitely diagnosed by the hospital with a certain disease listed in the contract, and the insurance company pays the patient's treatment and nursing expenses according to the amount agreed in the contract. Generally divided into single disease insurance and critical illness insurance.

There are similarities and differences between the above two kinds of medical insurance. The same thing is that you can only get insurance benefits if you are sick. The main difference is that general medical insurance belongs to various types, that is, all kinds of diseases can get insurance benefits. Special medical insurance is a special category, that is, diseases or operations clearly listed in the insurance contract can get insurance compensation. Medical insurance introduced by insurance companies often combines some of the above two types of insurance.

Allowance payment type

In short, subsidized medical insurance is medical insurance in which the insurance company pays the insurance premium to the insured by time, by day or by project according to the subsidy standard stipulated in the contract. Claims have nothing to do with actual medical expenses, and invoices are not needed.

It is suggested that the reimbursement of medical expenses should be considered first when purchasing medical insurance, and then the compensation for losses caused by hospitalization can be considered. Only by consolidating the basic security and supplementing it on this basis can we add icing on the cake. People with adequate social insurance can give priority to subsidizing medical insurance when choosing medical insurance.

Insurance principle In insurance, there is a question whether the compensation principle is applicable to health insurance. This problem cannot be generalized. The principle of compensation means that "the compensation obtained by the insured cannot be higher than its actual loss". Subsidized medical insurance is not applicable, and the payment of insurance benefits has nothing to do with actual losses. In fact, its design principle is to consider the wage loss caused by sick leave during the hospitalization of the insured, so it is agreed in the contract that the subsidy fee will be paid according to the number of days of hospitalization. Regardless of the actual hospitalization expenses, it has nothing to do with the actual economic losses. It is a kind of "fixed value insurance".

Expense type

Expense-based medical insurance is to pay insurance money according to the actual medical expenses incurred by customers and the insurance amount agreed in the policy. The purpose is to compensate customers for medical expenses. When making claims, customers need to issue invoices for outpatient or hospitalization, and the scope of claims is basically the same as that of "social security".

In addition, social medical insurance also has strict restrictions. New drugs, imported drugs and expensive drugs are not covered by social medical insurance reimbursement. Medical expenses caused by traffic accidents shall not be reimbursed by social medical insurance. In addition, the expenses that often occur during illness, such as nutrition expenses, nursing expenses, lost time expenses, etc. , not included in the scope of reimbursement.

Therefore, when people with medical insurance apply for hospitalization medical insurance, they can consider the complementarity of purchase expenses and subsidies, and choosing expense-based hospitalization medical insurance is also a useful supplement.