Reimbursement way of IVF cooperative medical service
IVF cooperative medical care is an assisted reproductive technology that provides opportunities for couples who cannot conceive naturally to realize their reproductive dreams. However, the cost of IVF is relatively high, which brings financial burden to some families. Fortunately, there are many ways to help these families share the cost of IVF. The following will introduce the reimbursement methods of IVF cooperative medical care from the aspects of medical insurance, commercial insurance and charity funds.
1. Social medical insurance
Social medical insurance is one of the most common reimbursement ways of IVF cooperative medical care. According to the regulations of the National Health Commission, social medical insurance in some areas can reimburse the cost of IVF. The reimbursement policy and reimbursement proportion vary from region to region. The reimbursement amount should be determined according to the specific medical insurance policy. Some top three hospitals, such as Peking Union Medical College Hospital and Shanghai Fudan University Affiliated Obstetrics and Gynecology Hospital, can reimburse IVF related expenses through social medical insurance.
However, it should be noted that not all medical insurance can cover the cost of IVF. Some insurance companies do not cover IVF related items. Therefore, before IVF, it is recommended to consult with the hospital and insurance company to find out whether their insurance covers the IVF program, so as to avoid financial burden.
2. Commercial insurance
In addition to social medical insurance, commercial insurance is also one of the reimbursement ways of IVF cooperative medical care. Some commercial insurance companies with high coverage, such as Ping An and China Life, can provide customers with insurance reimbursement services for IVF. The reimbursement amount and proportion of commercial insurance vary depending on the type of insurance and the specific contract content.
When choosing commercial insurance, you need to read the insurance terms in detail to know whether the IVF project is included, and pay attention to the restrictions of the insurance company on age, health status, etc. At the same time, appropriate commercial insurance products need to be selected according to their own needs and economic affordability.
3. Charitable fund
In order to solve the economic pressure caused by the high cost of IVF, some charitable foundations have also set up subsidy plans to provide financial assistance to families in need. These charitable foundations can provide a certain amount of support to eligible families through fund-raising, donation and other forms.
When applying for charity fund, families need to submit relevant application materials, and evaluate and review according to the requirements of the foundation. The funding amount and qualification requirements vary from foundation to foundation, and families need to apply according to the actual situation.
4. Payment at one's own expense
In addition to the above-mentioned reimbursement channels, some families can only choose to pay for IVF at their own expense. For these families, IVF cooperative medical care may bring a certain economic burden. However, for couples who are eager to have children, these financial burdens are often acceptable.
Families who pay for IVF at their own expense can choose hospitals and doctors according to their own economic situation and actual ability. Some famous top three hospitals, such as Peking Union Medical College Hospital and Shanghai Fudan University Affiliated Obstetrics and Gynecology Hospital, provide IVF cooperative medical services and ensure the advantages of technology and equipment.
Summary
The cost of IVF cooperative medical care is a big expense for some families. In order to share this part of the expenses, families can apply for reimbursement through social medical insurance, commercial insurance, charity funds and self payment. Different reimbursement channels have different application conditions and reimbursement amounts, so families need to make reasonable choices according to their own conditions. No matter which way you choose, it can effectively reduce the family's economic burden and help more couples realize their reproductive dreams.
