Can test tube baby medical insurance card be reimbursed
Test tube baby is a relatively expensive fertility treatment. Many couples choose test tube baby surgery in order to realize their fertility dreams. However, there has always been some controversy about whether the medical expenses of IVF can be reimbursed through the medical insurance card. This article will elaborate the reimbursement of IVF medical insurance card from many aspects.
Limited coverage of medical insurance
Whether the medical expenses of IVF can be reimbursed through the medical insurance card, first of all, we need to examine the coverage of the medical insurance policy. At present, China's medical insurance policy does not clearly stipulate the reimbursement of IVF surgery expenses. The medical insurance policies in some regions only include IVF surgery into the scope of hospitalization, but do not cover other related costs, such as drugs, testing and other costs. Therefore, in many cases, IVF medical expenses cannot be reimbursed through the medical insurance card.
In addition, there are differences in medical insurance policies in different regions. Some places have provided some support for the reimbursement of IVF surgery expenses, but there are still many expenses that cannot be reimbursed, resulting in excessive self expense of patients. Therefore, the local medical insurance department needs to be consulted to understand the specific policy content.
Some IVF hospitals can claim reimbursement
Although the scope of reimbursement of IVF medical insurance card is limited, some IVF hospitals can reimburse some expenses. For example, some large general hospitals or public hospitals provide some medical insurance reimbursement policies for IVF surgery. These hospitals usually have certain qualifications and experience, and are large enough to meet certain medical insurance reimbursement requirements.
Take Peking Union Medical College Hospital as an example. The hospital has rich experience in IVF surgery and provides certain medical insurance reimbursement policies. By booking medical services, patients can enjoy a certain degree of medical insurance reimbursement, thus reducing the economic burden of patients. However, the medical insurance reimbursement policies of these hospitals also have certain restrictions and conditions, which require patients to know in advance and meet relevant requirements.
Other reimbursement methods
In addition to medical insurance reimbursement, there are other ways to reduce the burden of IVF medical expenses. Some commercial insurance companies provide IVF medical insurance, and patients can obtain certain expense reimbursement by purchasing these insurance. In addition, some local medical aid and social relief projects can also provide some help for families with financial difficulties.
In addition, the medical expenses of IVF can also be used as a deduction item of individual income tax. According to relevant regulations, patients can use IVF medical expenses as a deduction item when declaring personal income tax, so as to reduce part of economic pressure.
summary
In short, whether the IVF medical insurance card can be reimbursed still depends on the local medical insurance policy and specific medical service institutions. Although the coverage of medical insurance is limited, some large general hospitals or public hospitals provide certain medical insurance reimbursement policies. In addition, the burden of IVF medical expenses can be reduced by purchasing commercial insurance, applying for medical assistance and social relief, and deducting individual income tax.
Therefore, before choosing IVF surgery, it is recommended that patients understand the local medical insurance policy, consult the hospital's expense reimbursement policy, and make reasonable decisions based on their personal economic conditions.
