Can IVF expenses be reimbursed for medical insurance?
Test tube baby is a breakthrough in modern medical technology, which can help infertile couples realize their dreams of childbirth. However, the relatively high cost of IVF has discouraged many families. Therefore, many people are concerned about whether the cost of IVF can be reimbursed for medical insurance? This article will elaborate from many aspects.
Medical insurance reimbursement policy
Whether the expenses of IVF can be reimbursed depends on the local medical insurance policy. According to the regulations of the National Health Commission, IVF technology belongs to the national secondary technology and can be reimbursed generally. However, the specific reimbursement proportion and scope will vary, which needs to be queried according to the local medical insurance policy. Taking Beijing as an example, the cost of IVF can be included in the serious illness insurance, but it needs to meet certain conditions, such as both husband and wife must have specific infertility causes and have been treated.
In addition, for the reimbursement of IVF expenses, the hospital also needs to provide the corresponding medical certificate and invoice, and the applicant needs to submit relevant materials according to the requirements of the medical insurance policy. Therefore, when choosing IVF hospitals, it is better to choose formal medical institutions with medical insurance accreditation qualifications.
Self funded projects and related expenses
Although IVF expenses can be partially reimbursed for medical insurance, there are still many self funded items and related expenses to be borne by oneself. Common self funded projects include: assisted reproductive technology costs (such as egg extraction, embryo transfer, etc.), drug costs, surgery costs, hospital costs, etc.
According to statistics, the total cost of IVF is generally more than 100000 yuan, and the specific cost will also be affected by many factors, such as the level of hospitals, the technical level of doctors, etc. Therefore, even with a certain degree of medical insurance reimbursement, families still have to bear a considerable financial burden.
Other expense reimbursement channels
In addition to the medical insurance policy, there are other reimbursement channels for IVF expenses. Some cities and regions have set up IVF funds to provide financial support to infertile couples with financial difficulties; Some enterprises and institutions also have corresponding maternity subsidy policies, and a part of IVF expenses can be applied for reimbursement.
In addition, some non-governmental charity organizations and social love funds will also provide financial support for infertile couples in financial difficulties to help them fulfill their dream of IVF. Therefore, in the face of the high cost of IVF, families can find financial support in many ways to reduce economic pressure.
Summary
IVF expenses can be partially reimbursed for medical insurance, and the specific reimbursement proportion and scope need to be queried according to the local medical insurance policy. However, the total cost of IVF is relatively high, and families still need to bear a considerable financial burden. In addition to the medical insurance policy, you can also apply for subsidies through the maternity fund, maternity subsidies for enterprises and institutions, and non-governmental charity organizations. Therefore, before IVF, families should fully understand the relevant policies and costs, and make financial preparations to avoid economic distress.
