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 <p style="white-space: normal; text-indent: 28px; line-height: 26px; background: rgb(255, 255, 255);"><strong><span style="font-family: 微软雅黑; color: rgb(51, 51, 51); font-size: 19px;">大学生医疗保障分为门诊和住院两种保障方式</span></strong></p><p style="white-space: normal; text-indent: 30px; line-height: 24px; background: rgb(255, 255, 255);"><strong><span style=";font-family:微软雅黑;font-size:14px"></span></strong></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><strong><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">一、大学生门诊医疗保障</span></span></strong></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">大学生日常门诊分为校内门诊医疗及校外门诊医疗。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（一）校内门诊医疗</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">学生凭校医院病历及校园卡在校医院挂号就诊，医疗费用直接减免。其常用药品、检查和治疗费自付</span><span style="font-family:微软雅黑">12%，校医院直接减免88%。特殊用药和检查自付比例相应增高。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（二）校外门诊医疗</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">1.转诊&nbsp;&nbsp;学生因病情需要转校外医院门（急）诊，必须经校医院相关科室医生或主任同意并开具转诊单后，方可转外院对口医院就诊；学生因急症不能到校医院就诊时，应就近在对口公立医院诊治，并于次日（工作日）到校医院补办有关转诊手续，急诊属实限报24小时内治疗费用；</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">门诊自行外出就诊或取药，按自费处理。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">2.异地实习&nbsp;异地实习学生在外地急诊的门诊医疗费用，凭学生所在学院证明、急诊病历及有效发票按规定报销。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">3.寒、暑假期间门急诊&nbsp;&nbsp;按照&nbsp;《武汉理工大学大学生医疗管理办法实施细则》执行，报销40元。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">4.休学期间门急诊&nbsp;&nbsp;学生因病休学者，第一年可在当地选一所县级或以上公立医院就诊，门诊医疗费按《武汉理工大学大学生医疗管理办法实施细则》执行。符合医疗费报销范围的诊疗费报销比例50%，限800元/年。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">5.门诊重症</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（慢性）病</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">&nbsp;参加了武汉市大学生医保的学生达到武汉市城乡居民医保重症标准的病种可申请办理门诊重症</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（慢性）病</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">，办理后可在学校二次报销。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">6.校外门诊医疗费报销&nbsp;&nbsp;需提供以下资料：1）本人校内病历；2）校医院转诊单；3）校外医院病历；&nbsp;4）校医院转诊医生审核签字的有效发票，急诊要出具盖有“急诊”字样的发票和急诊病历；5）发票对应的明细清单；6）大型检查的检查报告单。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（三）自费项目：医疗政策规定的不予报销的诊疗项目、目录之外的药品和医疗服务设施等项目，如：挂号、病历工本、保险、体检、矫形美容、交通肇事、打架、斗殴、酗酒、自杀及规定的其它不予报销的诊疗等发生的医疗费用一律自理。凡在各类外资、合资和个体兴办的医疗机构、药店发生的医疗费不予报销。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（四）有下列情形之一的医疗费不予报销</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">1.在国外或港、澳、台地区治疗的</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">2.因违法犯罪行为所致伤病的</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">3.交通事故、医疗事故等有地方和个人承担医疗费赔偿责任部分的</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">4.由于打架、斗殴、酗酒、自杀等各种违规行为造成伤病所发生的医疗费用即由于本人或他人行为过失造成伤病所发生的医疗费用。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><strong><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">二、大学生住院医疗保障</span></span></strong></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">根据国家和省市有关规定，将大学生住院保障分为：大学生城乡居民基本医疗保险</span><span style="font-family:微软雅黑">(以下简称“大学生医保”)和商业补充医疗保险</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（以下简称</span><span style="font-family:微软雅黑">“学平险”）</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（一）大学生医保</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">1.大学生医保的缴费标准按当年武汉市政府下达的收费文件为准，具体缴费方式以财务处通知为准。</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">2024年</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">度缴费：按目前政策，</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">2024</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">年度（</span><span style="font-family:微软雅黑">20</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">24</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">年</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">1</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">月</span><span style="font-family:微软雅黑">1日—-20</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">24</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">年</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">12</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">月</span><span style="font-family:微软雅黑">31日）缴费标准为每人3</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">80</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">元；</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">2025年度医保缴费标准目前武汉市政府尚未公布。2025年度大学生医保</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">缴费的时间为</span><span style="font-family:微软雅黑">9月1日至12月10日，随学费在财务处缴费平台勾选缴纳。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">请享受国家贷款、生源地贷款类学生特别关注参保缴费。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">2.大学生医保报销方式：分为在住院医院直接</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">结算</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">和手工报销两种：</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（</span><span style="font-family:微软雅黑">1）直接</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">结算</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">：学生生病在武汉市的医保定点医院住院由医院直接减免医保报销费用。学生住院时应主动向医院出示本人电子医保凭证（在支付宝申领）</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">或身份证</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">，要求医院直接报销医疗费用。部分新生因需要录入医保系统，在</span><span style="font-family:微软雅黑">12月前住院的需要自行垫付住院费用再回学校手工报销。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（</span><span style="font-family:微软雅黑">2）手工报销：因异地备案失败或医保待遇问题</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">或其它原因</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">未能在住院时直接</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">按照医保结算</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">的需要手工报销住院费用。出院后及时准备好医保报销材料交到校大学生医保办办理报销手续</span><span style="font-family:微软雅黑">(每月的10-20日收住院资料，寒暑假及节假日除外)。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">大学生医保报销材料（手工报销需提供）：</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">1）身份证正反面复印件</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">2）工行卡正反面复印件（在上面备注银行的开户行名称、姓名、联系电话）</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">3）住院发票原件</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">4）发票费用清单原件（汇总清单）</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">5）病案首页</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">6）长期医嘱、临时医嘱</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">7）出院小结复印件</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">8）做手术的需手术记录和麻醉记录</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">&nbsp;所需材料的5---8项需出院7--14天后（按该住院医院要求）到所住医院病案室复印。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（二）商业补充医疗保险</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（学平险）</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">按照国务院和省、市关于</span><span style="font-family:微软雅黑">“大学生在参加城镇居民基本医疗保险的基础上自愿参加商业补充医疗保险”的通知精神，为弥补医保报销的不足，自愿参加商业补充医疗保险，可再进行医保报销后的理赔，医保报销后剩余部分进行商保理赔。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">1.大学生商业补充医疗保险参保方式及标准</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">参加商业补充医疗保险的缴费标准为每人</span><span style="font-family:微软雅黑">100元/年，按学制一次性缴费。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">理赔限额</span><span style="font-family:微软雅黑">16万元/年封顶；意外身亡、残疾保险限额3万元；疾病身亡限额3万元；门诊意外伤害限额0.1万元。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">2.大学生商业补充医疗保险理赔方式</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">学生住院需先报销大学生医保再办理商业补充医疗保险赔付。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（</span><span style="font-family:微软雅黑">1）在医院直接减免了大学生医保报销费用的学生可准备好商保报销资料直接到校医院财务室（马区每周四上午在西院校医院收报销资料，余区每周一上午在校医院财务室收住院资料，节假日、寒暑假除外。如有变动请以校医院网站为准）。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（</span><span style="font-family:微软雅黑">2）未在医院直接享受大学生医保的学生准备好商业保险理赔材料随大学生医保报销资料一同交至大学生医保办代办理赔手续，商保报销费用直接转入学生银行卡。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">3.大学生商业补充医疗保险理赔材料</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（</span><span style="font-family:微软雅黑">1）身份证正反面复印件</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑"><span style="color: rgb(51, 51, 51); font-family: 微软雅黑; text-indent: 32px; text-wrap: wrap;">（</span><span style="color: rgb(51, 51, 51); font-family: 微软雅黑; text-indent: 32px; text-wrap: wrap;">2）</span>住院发票原件</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（</span><span style="font-family:微软雅黑">3）住院发票清单原件</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（</span><span style="font-family:微软雅黑">4）出院记录（小结）原件</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（</span><span style="font-family:微软雅黑">5）学生证复印件</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">（</span><span style="font-family:微软雅黑">6）银行卡正反面复印件</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">三、大学生医疗管理及门诊、住院费用报销的相关规定、具体流程、政策调整请查阅校园网、校医院网站，网址</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">http://hp.whut.edu.cn/ylfw/dxsyb/</span></span><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">四、大学生应充分享受国家的医保政策，积极参加大学生医保和商业补充医疗保险，以免生病住院给个人和家庭造成经济困难（案例分析）：</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">案例一（常见病）</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">学生王某因患肛瘘在武汉市第八医院住院，共计花费</span><span style="font-family:微软雅黑">8391元，经医保直接核减后自付3872元，因参加了商业补充医疗保险，商保赔付3272元，自付549元，大学生医保和商业补充保险共报销本次住院总费用的94%。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">案例二（大重病）</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">研究生李某因患脑部疾患，手术住院花费</span><span style="font-family:微软雅黑">28.3万元，因参加了大学生城镇居民医疗保险和商业补充医疗保险，其中大学生医保报销13.3万元，商业保险赔付6.9万元，共计20.2万元，自付8.1万元。</span></span></p><p style="margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;text-indent:32px;padding:0 0 0 0 ;text-autospace:ideograph-numeric"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">案例三（意外伤）只购买大学生医保的学生住院报销比例</span></span></p><p style="margin: 0px; text-indent: 32px; padding: 0px;"><span style="font-family: 微软雅黑;color: rgb(51, 51, 51);letter-spacing: 0;font-size: 16px;background: rgb(255, 255, 255)"><span style="font-family:微软雅黑">大四学生意外受伤住院，花费</span><span style="font-family:微软雅黑">12.58万元，医保报回5.7万元，由于未购买商业补充医疗保险，自付6.88万元。</span></span></p>