Can IVF be reimbursed for medical insurance?
IVF is a kind of assisted reproductive technology, which helps couples who cannot have a natural birth to achieve their desire for pregnancy and childbirth through in vitro fertilization and embryo transfer. However, the medical expenses during IVF are relatively high, so many couples are concerned about whether these expenses can be reimbursed through medical insurance. This article will elaborate on whether IVF can be reimbursed for medical insurance from four aspects: insurance type, insurance policy, hospital cooperation and IVF purpose.
Insurance type and policy
First, to determine whether the medical expenses of IVF can be reimbursed, it is necessary to understand the type and policy of medical insurance. Generally speaking, medical insurance includes social medical insurance, commercial medical insurance and supplementary medical insurance. Different types of medical insurance have different provisions on the reimbursement of IVF.
Social medical insurance refers to the social security system provided by the state for residents, which generally covers basic medical expenses. According to the regulations of different countries, the social medical insurance in some regions can partially or completely reimburse the medical expenses of IVF. The commercial medical insurance is provided by the insurance company. According to different insurance contracts, it may include the reimbursement scope of IVF. You need to specifically query the terms of the insurance contract. Supplementary medical insurance refers to other medical insurance voluntarily purchased by individuals on the basis of social medical insurance. Some supplementary medical insurance may also include the reimbursement scope of IVF.
Therefore, whether the medical expenses of IVF can be reimbursed depends on the type of medical insurance and insurance policy insured by individuals.
Hospital cooperation
IVF needs to be operated in a professional hospital, so whether the hospital has a cooperative relationship with the insurance company will also affect the reimbursement of IVF.
Some hospitals cooperate with specific insurance companies to provide IVF medical services, and can directly reimburse some or all of the costs to the insurance company. Such cooperation usually requires the hospital and insurance company to sign a cooperation agreement and meet certain conditions and regulations. In this way, couples can more easily reimburse the medical expenses of IVF.
However, not all hospitals have a cooperative relationship with insurance companies. In this case, couples need to pay their own medical expenses for IVF babies and apply to the insurance company for reimbursement according to the provisions of the insurance contract. The specific reimbursement proportion and conditions need to refer to the insurance contract.
Purpose of IVF
Finally, the reimbursement of IVF is also related to the purpose of its implementation. IVF mainly includes infertility treatment and genetic disease screening.
For infertility treatment, IVF is one of the important ways to solve the problem of non natural pregnancy, so some medical insurance will cover the related costs of IVF. However, the specific reimbursement proportion and scope should be determined according to the provisions of the insurance contract.
For genetic disease screening, IVF can screen common genetic diseases through embryonic gene testing. Some medical insurance may take such testing as a preventive measure for high-risk groups, providing a certain reimbursement range.
Summary
To sum up, whether IVF can be reimbursed for medical insurance needs to consider such factors as insurance type and policy, hospital cooperation, and the purpose of IVF. The medical insurance policies of different countries and regions are different. Whether the expenses of IVF can be reimbursed depends on the provisions of the insurance contract. Cooperating hospitals can more easily reimburse the medical expenses of IVF. The purpose of IVF will also affect reimbursement. Infertility treatment is relatively easy to get partial reimbursement from insurance, while genetic disease screening is regarded as a preventive measure for high-risk population. Therefore, before IVF, couples should carefully understand the medical insurance they have insured, and consult the hospital and insurance company to better plan and pay for IVF medical expenses.
