Compensation conditions of male elderly maternity insurance
Maternity insurance for men of advanced age refers to an insurance product launched by an insurance company against the risk of the birth of men of advanced age. The insurance is mainly aimed at the needs of men who still want to have children when they are old. If certain conditions are met, the insurance company will compensate them. The following will elaborate on the compensation conditions of male elderly maternity insurance from the aspects of age conditions, marital status, medical examination and hospital selection.
Age condition
The payment conditions of male elderly maternity insurance are usually related to age. The specific age setting varies from insurance company to insurance company, but in general, men need to be over 35 years old to purchase the insurance, and the age of purchase cannot exceed 45 years old. This is because male fertility began to decline gradually after the age of 35, and significantly weakened after the age of 45.
In addition, insurance companies also usually require men to be married when they buy insurance and maintain a stable marital relationship. This is because the insurance company believes that men with stable marriage are more likely to consider having children and can provide a stable family environment.
marital status
The compensation conditions of male elderly maternity insurance are also related to their marital status. Generally, insurance companies require men to be married and have legal marriage certificates. In addition, insurance companies may also require men to be married for a certain period of time, such as at least three years.
These conditions are mainly set to prevent the insurance from being abused and forging the demand for childbearing through marriage. The purpose of the male elderly maternity insurance is to help couples who really need to have children to solve their fertility problems, rather than encourage the abuse of insurance rights.
Medical examination
In order to ensure that the health condition is suitable for childbearing, insurance companies usually require people who buy male elderly childbearing insurance to undergo medical examination. These medical examinations usually include semen analysis, fertility hormone detection, reproductive system examination, etc. Only men who pass the medical examination can get insurance compensation.
The purpose of medical examination is to ensure that men have normal fertility, so as to reduce the compensation risk of insurance companies. The insurance company may refuse to pay compensation if it is found that a man has fertility disorder or fertility is seriously reduced in the medical examination.
Hospital selection
The payment conditions of male elderly maternity insurance are also related to the choice of hospitals. Generally, insurance companies require men who buy insurance to carry out fertility operations in designated hospitals, which are usually formal hospitals with relevant reproductive medical technology and equipment.
The requirement of hospital selection is to ensure the safety and success rate of the birth process. These designated hospitals often have experienced expert teams and advanced reproductive technology, which can provide better medical security. At the same time, the insurance company also needs to establish a cooperative relationship with the hospital, so as to better conduct claims handling operations.
Summary
The compensation conditions of male elderly maternity insurance mainly include age conditions, marital status, medical examination and hospital selection. A man must be over 35 years old and not over 45 years old to buy the insurance, and must be married and maintain a stable marriage relationship. Medical examination is required before purchase to ensure normal fertility. After purchasing the insurance, the man needs to carry out the birth operation in the designated hospital. These conditions are set to ensure that the insurance is used by people who really need to have children, and ensure the safety and success rate of their childbearing process.
