What is the reimbursement ratio of medical insurance for the third generation IVF in Guangzhou?
IVF technology provides a hope for infertile couples, but because of the high cost, many couples need to rely on medical insurance to bear part or all of the costs. For the third generation IVF treatment in Guangzhou, we will elaborate on the reimbursement ratio of medical insurance from the following aspects.
1. Applicable scope of medical insurance
Medical insurance in Guangzhou usually covers IVF treatment, but the specific scope of application may vary with different insurance companies and insurance packages. Generally, the insurance company will require the couple to provide relevant infertility certificates and accept the diagnosis of a specialist. In addition, age and infertility reasons may also affect the reimbursement proportion of IVF expenses by insurance companies.
A hospital called Guangzhou Reproductive Medicine Center provides an insurance package called "IVF special hospitalization expense insurance". This package is applicable to patients aged between 18 and 40 who are healthy and can be pregnant normally. This insurance package covers all costs of IVF treatment, including hospitalization, surgery, examination, medicine, etc.
It can be seen that the medical insurance in Guangzhou has a certain coverage in IVF treatment, but the specific situation needs to be determined according to the individual insurance package.
2. Reimbursement proportion
In Guangzhou, medical insurance generally covers certain expenses in IVF treatment, but the reimbursement proportion varies. Taking Guangzhou Reproductive Medicine Center as an example, the insurance package provided by them can reimburse more than 80% of the total expenses. The specific reimbursement proportion will also be adjusted according to the different stages of treatment. For example, in the stage of assisted reproductive technology (such as in vitro fertilization), the insurance company can reimburse 50% to 70% of the total expenses.
It should be noted that some insurance companies may limit the specific items of IVF treatment, such as excluding embryo screening in the third generation IVF treatment. Therefore, when purchasing medical insurance, couples should carefully read the insurance terms and communicate with the insurance company to ensure the proportion and scope of claims.
3. Self paid part
Although medical insurance can reimburse a part of the cost of IVF treatment, there will still be a certain part of self expense. Take Guangzhou Reproductive Medicine Center as an example, patients need to pay their own expenses, which is usually about 20% of the total expenses.
In addition, if the patient chooses to do some special projects at his own expense during the treatment process, such as embryo cryopreservation, embryo transfer, embryo screening, etc., these expenses will exceed the reimbursement scope of medical insurance and need to be borne by the patient.
4. Reimbursement of other expenses
In addition to the direct costs of IVF, the medical insurance in Guangzhou may also cover some related costs. For example, patients may need some auxiliary treatment, such as taking ovulation promoting drugs or injecting ovulation promoting drugs, and these costs can usually be included in the insurance reimbursement. In addition, if the patient needs to undergo tubal hydrotubation, hysteroscopy and other examinations or operations, this part of the cost may also be covered by the insurance.
To sum up, the reimbursement ratio of medical insurance for the third generation IVF treatment in Guangzhou is about 70% to 80%. The specific reimbursement proportion and scope shall be determined according to different insurance companies and insurance packages. When choosing an insurance package, patients should carefully read the terms and communicate with the insurance company to ensure that their rights and interests are protected.
