Can IVF medical insurance be reimbursed
IVF is a method to help couples who cannot conceive naturally to achieve fertility through assisted reproductive technology. With the popularization of IVF technology, more and more couples begin to choose IVF, but the cost of IVF is very expensive, which makes many families flinch. Therefore, many people want to know whether the cost of IVF can be reimbursed through medical insurance.
Current status of medical insurance reimbursement for IVF
At present, in China, the cost of IVF cannot be reimbursed through medical insurance in most cases. This is because China's medical insurance policy mainly focuses on treating diseases and saving lives, while IVF belongs to fertility surgery, not disease treatment. Therefore, if couples choose IVF, they need to bear the relevant costs.
However, some regions or hospitals may partially reimburse IVF in order to promote fertility policies. For example, some top three hospitals in Beijing can reimburse some related expenses when IVF technology is mature. However, this kind of reimbursement is very limited, only applicable to specific regions and hospitals, and needs to meet certain conditions.
Why Can't I Reimburse IVF Expenses
The main reason why IVF expenses cannot be reimbursed is the special nature of its fertility surgery. IVF belongs to non disease treatment, and medical insurance is mainly concerned with disease treatment and life saving, rather than fertility. In addition, IVF surgery involves high costs, and the cost of a surgery is often tens of thousands or even hundreds of thousands of yuan, which is a huge burden for medical insurance.
In addition, the success rate of IVF is also an important factor that cannot be involved in medical insurance reimbursement. The success rate of IVF surgery is generally between 30% and 50%, without a particularly high success rate. If the success rate of IVF is high, the possibility of medical insurance reimbursement will increase accordingly. Therefore, the low success rate of IVF surgery also directly led to the difficulty of medical insurance reimbursement.
Other burden reduction methods
Although the cost of IVF cannot be reimbursed through medical insurance, some couples can still reduce the burden through other ways. First, we can choose some public hospitals for IVF surgery, which is relatively inexpensive. Secondly, we can consult with some private hospitals about the installment policy to share the cost pressure. In addition, some local governments and charities will also set up some poverty alleviation projects for IVF to help couples in need reduce their financial burden.
Summary
In general, China's current medical insurance policy does not support the reimbursement of IVF expenses. The high cost of IVF and uncertainty of success rate are important reasons for non reimbursement. However, couples can reduce their financial burden by choosing public hospitals, paying in installments or seeking other subsidy policies. It is hoped that in the future, with the progress of technology and the adjustment of policies, IVF expenses will be more reimbursed and supported, so that more couples will have the opportunity to have children.
