Demonstration on the Necessity of College Students’ Participation in Micro Medical Insurance

DOI

10.2991/978-94-6239-719-4_39How to use a DOI?

Keywords

College Students; Micro Medical Insurance; Medical Security; Multi-level Protection

Abstract

College students are in a transitional stage from family guardianship to independent living. Although they have been incorporated into the basic medical insurance system for urban and rural residents, gaps still exist in such aspects as reimbursement ratios and deductibles of the basic scheme. Characterized by low premiums, low deductibles and convenient claims settlement, micro medical insurance suits the daily small-sum medical needs of college students. Based on insurance demand theory and health economics analysis, this paper demonstrates the necessity of college students participating in micro medical insurance. Research shows that micro medical insurance can effectively compensate for the deficiencies of basic medical insurance, reduce economic burdens, foster risk awareness, and help build a multi-level security system of “basic medical insurance plus micro insurance”, thus possessing important practical significance.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Zi-Jia Yi
PY  - 2026
DA  - 2026/07/09
TI  - Demonstration on the Necessity of College Students’ Participation in Micro Medical Insurance
BT  - Proceedings of the 2026 6th International Conference on Enterprise Management and Economic Development (ICEMED 2026)
PB  - Atlantis Press
SP  - 345
EP  - 351
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-719-4_39
DO  - 10.2991/978-94-6239-719-4_39
ID  - Yi2026
ER  -