本文分析了目前公费医疗及商业保险在大学生个人保障中的现状,指出大学生缺乏充分的个人保障,建立大学生个人保障体系迫在眉睫。而大学生个人保障体系应包括公费医疗、社保基金和商业保险三个方面、三个层次。本文通过对这三方面的关系和作用的分析,提出了对大学生个人保障体系建立的构想。 This article analyzes the current status of the current public health and commercial insurance in the personal security of college students, pointing out that undergraduates lack adequate personal protection and establishing an undergraduate personal security system is imminent. The college student personal security system should include public health care, social security funds and commercial insurance in three areas, three levels. Through the analysis of the relationship and function of these three aspects, this paper puts forward the conception of establishing the personal security system for college students.