Medical insurance can reimburse students for accidental injuries during their school days. Specifically, if an accidental injury occurred during school is treated in a hospital, relevant medical certificates and expense invoices should be kept in time. Then, students can apply for reimbursement through the medical insurance service platform provided by the school or to the local social security bureau. When applying for reimbursement, you need to provide relevant supporting materials, such as student ID card, medical certificate and expense invoice.

It should be noted that student medical insurance has certain restrictions on the amount of reimbursement for accidental injuries, and the specific amount is subject to the regulations of the local social security bureau. In addition, student medical insurance can only reimburse medical expenses that meet the insurance requirements, such as self-funded drugs, cosmetic surgery and other expenses are not included in the reimbursement scope.

Students should always be vigilant, abide by campus regulations, pay attention to campus safety signs, avoid running around the campus, wear appropriate shoes and avoid accidental injuries. In addition, students should participate in campus safety education, understand common accidental injuries on campus, and learn basic first aid knowledge so that accidents can be handled in time. At the same time, schools and parents should work together to strengthen campus safety management to ensure the safety of students on campus.

There are certain restrictions on the medical insurance that students buy at school.

First of all, the insurance expenses need to be borne by the students themselves, and the medical insurance expenses are paid according to the natural year.

Secondly, the scope and proportion of medical insurance reimbursement may be limited. For example, some special drugs, imported drugs and high-value consumables may not be covered by medical insurance reimbursement. In addition, the reimbursement rate of medical insurance may also be limited, and the specific reimbursement rate shall be subject to the provisions of the local social security bureau.

In addition, the reimbursement time of medical insurance may also be limited. Generally speaking, medical insurance reimbursement needs to be submitted within a certain time limit, and it may not be reimbursed after the time limit. Therefore, students need to properly keep relevant supporting materials and submit reimbursement applications in time.

To sum up, medical insurance purchased by students at school can be used for reimbursement of accidental injuries, but attention should be paid to retaining relevant supporting materials and applying for reimbursement according to regulations.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 1 199

People without civil capacity suffer personal injury during their study and life in kindergartens, schools or other educational institutions;

Kindergartens, schools or other educational institutions shall bear tort liability; However, those who can prove that they have fulfilled their educational management responsibilities will not bear tort liability.