How to apply for reimbursement of medical expenses for test tube baby twins?
IVF is a method of assisted reproduction through in vitro fertilization technology, which can solve some infertility problems. When IVF is successfully fertilized and twins are born, families may face high medical costs. Therefore, it is very important for families to know how to reimburse related expenses. This article will elaborate on how to reimburse the medical expenses of test tube baby twins from the following four aspects.
1. Medical insurance reimbursement
In China, the medical expenses of IVF can be reimbursed to some extent through medical insurance. According to the relevant regulations of the National Health Commission, test tube babies that meet the medical indications can apply for medical insurance reimbursement. Families can provide the hospital with relevant procedures and certification materials, including the doctor's diagnosis, examination report, hospitalization invoice, etc., to apply for medical insurance reimbursement. The medical insurance policy and reimbursement proportion vary in different regions. Families need to know the relevant reimbursement information according to the local policies.
In addition, some high-end medical insurance products can also cover the cost of IVF. Some private medical insurance plans of insurance companies may include medical expenses of IVF. Families can choose to purchase corresponding insurance products and provide relevant materials for reimbursement according to the requirements of the insurance contract.
2. Provident fund loan
The medical cost of IVF is relatively high, which may be unaffordable for some families. In China, the provident fund policy in some regions can provide relevant assistance. Families can pay the medical expenses of IVF through housing provident fund loans.
The specific operation mode is that the family applies for a loan to the unit, and provides the relevant test tube baby medical cost proof materials and application forms. The unit will review according to the family's situation and policy requirements, and finally decide whether to approve the loan. If the loan application is approved, the family can repay the loan within a certain period according to the requirements of the loan contract.
3. Social assistance
Some poor families may not be able to enjoy the policy of medical insurance reimbursement or provident fund loan, but they still need to bear the medical expenses of IVF. In this case, the family can apply to the local civil affairs department for social assistance.
According to relevant national policies, families in need can apply to the civil affairs department for medical assistance. Families need to provide relevant application forms, family financial statements, test tube baby medical expenses certification materials, etc. After review, the civil affairs department will provide certain medical expenses for families according to their economic conditions and policy requirements.
4. Platform fundraising
In addition to relying on the government's medical insurance reimbursement, provident fund loans and social assistance, families can also raise funds through some public welfare platforms. At present, there are some public welfare or charity platforms in China that can help families in need to raise the cost of IVF.
Families can ask for help by registering an account on the public welfare platform and publishing their own stories and needs. Some kind-hearted people will donate money to their families voluntarily. At the same time, families can also publish help seeking information on their social media to win the support of friends and relatives.
summary
For the reimbursement of medical expenses for test tube baby twins, families can combine the above four aspects to seek help. Through medical insurance reimbursement, provident fund loans, social assistance and public welfare fundraising, families can effectively reduce the burden of medical expenses and achieve the healthy birth of test tube babies.
