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How high are the risks of having children at an advanced age? Does the medical insurance cover relevant reimbursement?

Risks brought about by old childbearing

With the development of social economy, the improvement of medical care and the change of people's concept of marriage and fertility, more and more women choose to postpone childbearing, which leads to the fact that the elderly childbearing has gradually become a common phenomenon. However, a series of risks and challenges are inevitably brought about by the elderly childbearing.

 How high are the risks of having children at an advanced age? Does the medical insurance cover relevant reimbursement?

Decline in reproductive health

As women grow older, their ovarian function and egg quality will gradually decline. This means that older women often face a higher risk of infertility. According to research data, the natural pregnancy rate of women over 40 years old is only 5%, and that of women over 45 years old is only about 1%. Therefore, older women have a lower chance of achieving natural pregnancy, and need to use assisted reproductive technology, such as test tube babies.

Moreover, the risk of pregnancy complications in elderly women will also increase significantly. For example, women with chronic diseases such as hypertension and diabetes may face greater health risks during pregnancy. For pregnant women, these complications may lead to premature delivery, fetal dysplasia, prenatal diseases and other problems.

In addition, the growth of childbearing age will also increase the risk of chromosomal abnormalities in infants. With the increase of women's age, the probability of chromosomal abnormalities will gradually increase, such as Down syndrome. Without prenatal screening and genetic testing, these abnormal fetuses may cause more problems.

Increased maternal and infant health risks

Pregnancy of elderly women also has potential risks to the development, health and growth of the fetus. First, the fetus of elderly women may face an increased risk of birth defects. Research shows that the risk of the fetus of the elderly women suffering from birth defects such as Down syndrome and spina bifida is higher than that of young women. In addition, fetuses born to elderly women may also face higher health problems such as premature delivery and low weight.

Secondly, the pregnancy of elderly women will also increase the risk of spontaneous abortion. Due to the decline of egg quality, the embryonic development of elderly women may be abnormal, leading to an increased risk of spontaneous abortion. This is not only a psychological blow to women, but also may bring some harm to the body.

In addition, the risk of gestational diabetes in elderly women is higher than that in young women. Gestational diabetes will not only make the mother face the risk of complications, such as hypertension, pre eclampsia, etc., but also increase the risk of the newborn suffering from problems such as overweight and hypoglycemia.

Psychological and social pressure

Older childbearing is often accompanied by huge psychological and social pressure. There may be many reasons for women's postponement of childbearing, such as career development, economic considerations, etc., but this also means that they need to face more pressure while facing fertility problems.

First of all, older women may face time pressure. They may be worried that they have missed the best childbearing period, and the longer the delay, the lower the chances and success rate of childbirth.

Secondly, elderly women may face family and social pressure. Due to the influence of traditional ideas, family members and people around have clear expectations for women's childbearing age. If these expectations cannot be met, it may lead to family conflicts and social pressure.

For women who already have other children, re pregnancy at an older age will also cause concern about the health of their children. They may worry that they cannot provide enough support, education and companionship, which will affect their children's future development.

Coverage and reimbursement of medical insurance

For elderly women, the economic burden is also an important consideration. In China, the medical insurance system has been constantly improving. There are certain reimbursement and subsidy policies for medical expenses of pregnant and lying in women, but the specific policies vary from region to region.

Generally speaking, medical insurance will cover part of the hospitalization expenses of pregnant and lying in women, such as prenatal examination, delivery expenses, hospitalization nursing expenses, etc. In addition, according to the national policies and regulations, elderly women can also enjoy the relevant medical insurance reimbursement policies when carrying out IVF and other assisted reproductive technologies.

However, the coverage and reimbursement ratio of medical insurance vary in different regions and hospitals. Some items may need to be paid at their own expense, such as special examination items, medical expenses for high-risk pregnant women, etc. Therefore, before giving birth to the elderly, women need to know the specific medical insurance policy of their own location and the reimbursement policy of the selected hospital.

Summary

Elderly childbearing is faced with many risks, such as declining reproductive health, increasing maternal and infant health risks, and psychological and social pressure. With the growth of age, women's fertility opportunities and success rate are getting lower and lower, so assisted reproductive technology is needed. Pregnancy of elderly women also brings certain risks to the health and development of the fetus, such as birth defects, premature delivery, etc. At the same time, the elderly childbearing will also bring psychological and social pressure, which needs to face the problems such as time pressure, family and social expectations. In terms of medical expenses, the medical insurance will cover part of the medical expenses of pregnant and lying in women, but the specific policies vary from region to region, and need to be reasonably arranged according to personal conditions and hospital policies. Therefore, the elderly childbearing needs to be carefully considered, and decision-making and assisted reproductive technology selection should be made under the guidance of professional doctors.

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