Can the expenses of IVF be reimbursed for medical insurance?
As an assisted reproductive technology, IVF is an important way for some infertile couples to realize their reproductive dreams. However, the cost of IVF is not cheap, which makes many couples flinch. Under such circumstances, many people will pay attention to whether the expenses of IVF can be reimbursed through medical insurance. This article will elaborate on whether the expenses of IVF can be reimbursed for medical insurance from four aspects.
1、 Provisions of medical insurance policy
The medical insurance policy strictly restricts the expense reimbursement of IVF. According to the current medical insurance policy, the expenses of IVF cannot be reimbursed in most cases. Because the medical insurance policy has certain scope and restrictions on reimbursable items, IVF has not been included in the scope of reimbursement at present. In addition, because IVF is a high-tech, high cost, and medical insurance can only reimburse basic medical expenses, which cannot cover all costs of IVF.
It can be seen from the above regulations that in most cases, the cost of IVF cannot be reimbursed through medical insurance. This is a big burden for many couples with poor economic conditions.
2、 Reimbursement policies in some regions of the mainland
Although the medical insurance policy in most regions does not specifically stipulate the cost of IVF, a few regions have carried out pilot work to try to include the cost of IVF in the scope of reimbursement. For example, a famous Grade III A hospital in Beijing launched a pilot project in 2018, trying to provide reimbursement opportunities for some IVF patients through cooperation with the community medical insurance fund.
Although this pilot project has brought good news to some couples, it is only an individual phenomenon nationwide and has not formed a universally feasible reimbursement policy. Therefore, most IVF couples are still unable to obtain cost compensation through medical insurance.
3、 Other reimbursement methods
Although medical insurance has limited reimbursement for IVF, some regions and units can provide other reimbursement methods. For example, some enterprises and institutions will buy commercial insurance for employees, and these commercial insurance may cover the cost of IVF. In addition, some local governments will also introduce relevant subsidy policies to provide some cost subsidies for IVF couples.
Therefore, if the couple meets the relevant conditions, they may be able to obtain partial compensation for IVF costs through other ways. However, it should be noted that these approaches are often subject to certain restrictions and conditions and do not apply to all couples.
Summary
To sum up, the expenses of IVF cannot be reimbursed through medical insurance in most cases. Although some regions and organizations may provide other reimbursement channels, these channels have certain restrictions and conditions. Therefore, the cost of IVF is still a big burden for most couples.
It is hoped that the future medical insurance policy can provide more explicit provisions and support for the cost of IVF, and provide more help and support for infertile couples. At the same time, we hope that all sectors of society can pay attention to the plight of IVF couples and provide them with more support and care.
