The medical insurance policy of test tube babies in Shanghai Ninth Hospital
Test tube baby is an assisted reproductive technology, which can help many infertile couples realize their dream of having a baby. As one of the largest general hospitals in China, Shanghai Ninth Hospital also provides reproductive medical services such as IVF, and has formulated relevant medical insurance policies in this field. This article will elaborate on the medical insurance policy of IVF in Shanghai Ninth Hospital from four aspects.
Payment scope of medical insurance
The medical insurance policy of Shanghai Ninth Hospital covers many expenses related to IVF. First, the basic medical expenses of IVF, such as women's assisted reproductive technology expenses and men's sperm testing expenses, can be paid by medical insurance. Secondly, some testing items, surgical expenses and hospitalization expenses incurred during the implementation of IVF can also be included in the medical insurance scope, but relevant materials need to be submitted to the hospital in advance and can be reimbursed only after passing the medical insurance review. In addition, maternal and infant health care expenses after the success of IVF, such as postpartum rehabilitation, newborn care, etc., can also apply for medical insurance reimbursement.
However, there are also some restrictions in the scope of medical insurance payment. First, according to the medical insurance regulations, the age of IVF is limited to below 50 years old, and patients over 50 years old cannot enjoy medical insurance reimbursement. Secondly, the expenses within the scope of medical insurance payment are only limited to public medical institutions, while the expenses of private hospitals are not within the scope of medical insurance payment.
Reimbursement ratio and personal burden
Shanghai Ninth Hospital has divided the proportion of medical insurance reimbursement for IVF according to different expense items. Generally speaking, the reimbursement ratio of basic medical expenses and some routine testing items is high, which can reach more than 80%. However, the reimbursement rate of some high-end technical projects and special medical expenses, such as PGD/PGS gene testing, is generally low, only about 50%.
When enjoying medical insurance reimbursement, individuals still have to bear part of the expenses. Specifically, the proportion of individual self payment is generally about 20%, and there are also some projects that require individual full self payment. In addition, for some special items in the process of IVF, the medical insurance will not be reimbursed, and individuals need to bear all the costs.
Process of applying for medical insurance reimbursement
To apply for reimbursement of IVF expenses from Shanghai Jiuyuan Medical Insurance, patients need to follow the following process. First of all, patients need to know the medical insurance policy and their own medical insurance type in advance. Then, the patient went to the IVF clinic of Shanghai Ninth Hospital to register, and prepared relevant examination reports, medical records, ID cards and other supporting materials. When registering, patients need to inform the registrar that they need to apply for medical insurance reimbursement. After that, the designated medical insurance handler will assist the patient to fill in the relevant reimbursement documents and submit the materials to the medical insurance review department. Finally, the patient waits for the medical insurance review results and reimburses the expenses after approval.
It should be noted that different types of medical insurance have different medical insurance policies for IVF, and patients need to carry out specific operations according to their own medical insurance types.
summary
Shanghai Ninth Hospital has provided relatively complete medical insurance policies for IVF. The medical insurance payment scope of IVF includes basic medical expenses, relevant testing and surgery expenses, and postpartum rehabilitation expenses. The proportion of medical insurance reimbursement and personal burden vary according to different items. To apply for medical insurance reimbursement, you need to follow the process and operate according to the individual medical insurance type. However, medical insurance does not provide reimbursement for some special items and private hospital expenses. In general, the medical insurance policy of Shanghai Ninth Hospital has provided financial support for IVF families.
