Medical insurance policy for IVF in China
As an assisted reproductive technology, IVF technology has brought fertility hope to many infertile couples. In China, the medical insurance policy for IVF is gradually improved and corresponding medical insurance is provided. The medical insurance policy for IVF in China will be described in detail in the following four aspects: expense reimbursement, scope of indications, hospital selection and policy restrictions.
Expense Reimbursement
The cost of IVF has always been the focus of couples' attention. According to the Measures for the Implementation of Maternity Insurance issued by the National Health Commission, the expenses of IVF can be reimbursed through maternity insurance. Maternity insurance can cover the medical expenses of IVF babies, including the treatment expenses, examination expenses and operation expenses required by assisted reproductive technology. The specific expense reimbursement proportion and upper limit vary according to different regions. For example, in Beijing, maternity insurance can reimburse 70% of the total medical expenses of IVF.
In addition, some places also introduced special subsidy policies for IVF medical insurance. For example, Shanghai IVF medical insurance special subsidy directly reimbursed part of the expenses of IVF centers, further reducing the economic burden of patients.
Indications
The IVF technology has been applied in China for many years. The medical insurance policy also clearly stipulates the causes of IVF. According to the relevant guidance of the National Health Commission, the indications of IVF include fallopian tube obstruction, severe male infertility, immune infertility, repeated IVF failure, etc. As long as it meets the scope of indications, couples can enjoy the medical insurance policy of IVF. However, it should be noted that different regions may have different requirements for indications, which can be found on the local maternity insurance website.
Hospital selection
In China, IVF technology is relatively mature, and there are many hospitals with IVF technology to choose from. When selecting hospitals, we should pay attention to whether they have the qualification of assisted reproductive technology recognized by the National Health Commission, and hospitals should accept the reimbursement of maternity insurance related expenses. Hospitals with the above qualifications usually make clear on their official websites and provide corresponding reimbursement guidelines. For example, Beijing Obstetrics and Gynecology Hospital and Shanghai Fudan University Affiliated Obstetrics and Gynecology Hospital are all domestic IVF medical institutions with high reputation.
In addition, some hospitals also provide one-stop services for IVF patients, including initial diagnosis, surgery, postoperative follow-up and other links, to facilitate patients' medical treatment and expense reimbursement.
Policy restrictions
Although the medical insurance policy for IVF has gradually improved, there are also certain policy restrictions. First, IVF is only applicable to married couples. Unmarried and divorced couples cannot enjoy the medical insurance policy for the time being. Secondly, some regions also have certain requirements on the age limit. Generally, women are required to be under 40 years old. In addition, the maternity insurance also has restrictions on the number of births of each couple. The specific restrictions vary from region to region. You can consult the local maternity insurance department for relevant policies.
Summary
The medical insurance policy for IVF in China has been relatively perfect. The medical expenses for IVF can be reimbursed through maternity insurance. The scope of indications and hospital selection of IVF are also clearly defined, and there may be some differences in different regions. Specific details about the expense reimbursement ratio, indication requirements and policy restrictions of IVF can be found on the official website of the local maternity insurance department or regular hospital. However, it should be noted that before enjoying the medical insurance policy, couples should fully understand their own situation and consult professional doctors.
