Can I apply for medical insurance for the cost of second-generation IVF?
In recent years, the second-generation IVF technology is a popular way to help pregnancy, which is regarded by many infertile couples as the hope to welcome new life. However, the cost of IVF is relatively high, so many people are concerned about whether the financial burden can be reduced through medical insurance. This article will elaborate on the medical insurance policy, expense reimbursement conditions, hospital selection and actual cases.
Medical insurance policy
At present, there are some differences in the reimbursement of second-generation IVF in the medical insurance policies of various provinces and cities in China. Some regions regard IVF as one of the medical assistance projects and can apply for medical insurance reimbursement. In other regions, IVF is regarded as a voluntary birth project that does not conform to the medical insurance policy and will not be reimbursed. Therefore, whether or not to apply for medical insurance needs to be determined according to the local policies.
Expense reimbursement conditions
In regions where medical insurance reimbursement is allowed, certain conditions are usually required to obtain reimbursement. For example, both husband and wife should be diagnosed with infertility in the hospital and treated ineffectively before they can consider IVF. In addition, age, physical health and other factors will also affect the application conditions of medical insurance. Therefore, before deciding to carry out IVF, the local medical insurance department should be consulted for specific conditions.
Hospital selection
There may be differences in IVF costs and medical insurance policies in different hospitals. Some large general hospitals or professional reproductive hospitals are often equipped with advanced equipment and professional medical teams, but their costs are relatively high. Some primary medical institutions may have relatively low prices, but there are many policy restrictions. Therefore, when selecting hospitals, we should comprehensively consider the cost and medical insurance policies, and select hospitals that meet their own conditions and needs.
Actual case
Taking Beijing as an example, some medical insurance bureaus allow IVF to be reimbursed as part of hospitalization medical treatment. For example, Beijing Haidian District Medical Insurance Bureau stipulates that if the woman is under 40 years old, and the fallopian tube is unobstructed ≥ 1 side, and the ovulation promotion technology is used to conduct artificial insemination through the vas deferens or veins, the medical insurance can reimburse a certain proportion of the expenses. However, the medical insurance is only used by the insured, not including the self funded items. The specific reimbursement proportion and amount shall be subject to local policies.
To sum up, the medical insurance application for second-generation IVF costs is OK, but the specific situation needs to be determined according to the local medical insurance policy. At the same time, couples need to meet certain conditions to obtain medical insurance reimbursement, and selecting the appropriate hospital is also one of the factors affecting medical insurance application. Therefore, before preparing for IVF, it is recommended to consult the local medical insurance department and several hospitals to fully understand the relevant policies and costs so as to make correct decisions.
