Wide coverage, low personal payment, and synchronous outpatient treatment. The inclusion of college students in urban residents' medical insurance first ensures the seamless connection between the establishment of a medical security system covering urban and rural residents. Secondly, all college students can participate in the insurance, covering all kinds of colleges (including private colleges and independent colleges) and research institutes in the province, and part-time graduate students, especially private colleges and independent colleges, highlighting the fairness of education. In addition, on the basis of students' individual contributions, according to the affiliation of colleges and universities, the central, provincial and municipal finances implement classified subsidies according to the prescribed standards.

Commercial insurance is difficult to solve the high medical expenses caused by serious illness. For many years, due to the shortage of funds, public medical care has been ineffective (private colleges and independent colleges have no financial subsidies). The commercial insurance model has alleviated the medical difficulties of college students to a certain extent, and also eased the pressure on schools and organizers. However, commercial insurance mainly solves the medical security problems of students' sudden injuries, serious outpatient illnesses and hospitalization, but does not solve the medical security problems of students' general outpatient illnesses and the economic burden of a few students' sudden injuries and serious medical expenses.