Influence of IVF on medical insurance
The development of IVF technology has realized the birth dream for infertile couples. However, the medical expenses in the process of IVF have caused some pressure on family finance. This article will discuss the influence of IVF on medical insurance from many aspects.
1. Coverage of medical insurance
The medical expenses in the process of IVF mainly include the expenses of pregnancy aids, assisted reproductive technology, pre pregnancy examination and embryo transfer. According to different regions and medical insurance schemes, there are differences in whether medical insurance covers IVF.
First, medical insurance schemes in some countries and regions can partially or completely cover the cost of IVF. For example, the National Health Insurance Scheme (NHS) in the UK provides a comprehensive free service for IVF for couples who meet certain conditions, including drug costs and treatment costs. Such coverage is a great blessing for infertile couples.
However, the medical insurance in most regions does not cover the cost of IVF, which leads to the high medical costs for infertile couples. In this case, couples may need to seek other ways to raise money, such as personal savings, loans or fundraising activities. The cost of IVF may cause greater pressure on some families' finances.
It can be seen that the coverage of medical insurance plays an important role in the accessibility of IVF.
2. Premium and insurance restrictions
Even though some medical insurance schemes can cover the cost of IVF, couples still need to pay premiums and are subject to insurance restrictions.
First, the premium of medical insurance scheme may increase due to the use of IVF technology. Due to the high cost and certain risks of IVF technology, insurance companies may charge additional fees for IVF medical insurance. Therefore, infertile couples need to weigh their own economic situation and insurance policy choices.
Secondly, medical insurance may have some restrictions on the use of IVF. For example, an insurance company may provide medical insurance for IVF only within a certain age range, or limit the number of attempts of IVF. These restrictions may affect the choice and decision-making of infertile couples.
It can be seen that the premium and insurance restrictions provide certain restrictions on the payment and opportunities of IVF.
3. Excluded additional expenses
Not all expenses incurred during IVF can be covered by medical insurance. Some additional expenses may not be covered by medical insurance.
For example, infertile couples may need additional medical services such as genetic counseling, psychological counseling, and germ cell storage. The cost of these services may be borne by the couple themselves. In addition, as the success rate of IVF may not be high, couples may need to try many times, which will lead to more expenses.
Therefore, even if the medical insurance can cover part of the costs of IVF, additional costs that are not included still need to be considered.
4. Family economic risk
The medical cost of IVF is often high, which poses a certain challenge to the economic situation of infertile couples.
First of all, the high medical costs may lead to excessive economic pressure on couples and impose a burden on family finances. Especially for some couples with poor economic conditions, the medical expenses of IVF may make them further into economic difficulties.
Secondly, the payment of IVF may reduce the savings of infertile couples and affect future economic planning and security. Couples need to consider the economic risks in the IVF process and make adequate planning before making decisions.
To sum up, the impact of IVF on medical insurance is reflected in insurance coverage, premium and insurance limits, additional costs not included, and family economic risks. Medical insurance coverage and policy formulation are critical to IVF accessibility and affordability. Infertile couples should fully understand the medical insurance policy and make appropriate choices and preparations before making decisions.
