The Reimbursement Policy of IVF in China
Test tube baby (artificial insemination embryo transfer technology) is a kind of assisted reproductive technology, which can help those couples who are difficult to conceive naturally realize their dreams of childbirth. With the aggravation of China's aging population, IVF technology has received more and more attention. However, the high cost of IVF has discouraged many families. In this case, people are generally concerned about the following question: Is there an IVF reimbursement policy in China? The following will elaborate on this issue from many aspects.
Social security policy
From the perspective of social security, there is no specific IVF reimbursement policy in China at present. Because IVF belongs to the category of assisted reproductive technology and has a high cost, it is not included in the routine medical insurance reimbursement items. However, social security institutions in some regions have begun to carry out pilot work on IVF supporting projects to explore the security policies for IVF. For example, Shanghai ordinary IVF babies are reimbursed for part of their expenses within the scope of medical insurance, while special IVF babies are more likely to be reimbursed in full, and they need to meet certain conditions and standards.
In addition, some large state-owned and private enterprises also began to provide medical reimbursement for IVF for employees. In order to attract outstanding talents and care about employee welfare, these enterprises include IVF into their medical insurance coverage and provide corresponding reimbursement policies.
Local policy support
Although there is no special reimbursement policy for IVF at the national level, some local governments have begun to encourage fertility and population growth, actively promote the development of IVF, and provide corresponding subsidies and support policies under the pressure of declining birth rate.
For example, Mentougou District of Beijing has issued the Measures for the Implementation of the Mentougou District Fertility Promotion Policy, which stipulates that a certain degree of subsidies will be given to the medical expenses of test tube babies of residents registered in Mentougou District. In addition, similar IVF subsidy policies also exist in Shenzhen, Guangdong, Hangzhou, Zhejiang and other cities.
Private hospital services
In China, IVF technology is mainly provided by some private hospitals, which usually charge high fees. However, with the popularization of IVF technology, some private hospitals began to actively cooperate with insurance companies to launch medical insurance plans for IVF. These plans are usually commercial insurance, which can partially reimburse the cost of IVF and provide some value-added services.
For example, the IVF medical insurance plan launched by Beijing Hong Kong Hospital in conjunction with PICC Property Insurance can reimburse some expenses of IVF for patients, and also include value-added services such as embryo freezing and reproductive medical examination. This way, the cost of IVF technology is relatively reduced, and more families can afford it.
Summary
At present, China's IVF reimbursement policy has not been fully implemented, but with the active exploration of many local governments and enterprises, IVF medical expense reimbursement has gradually been guaranteed. Although the reimbursement within the scope of social insurance still needs to be expanded, the commercial insurance provided by private hospitals and the support of local policies provide certain opportunities to reduce the cost of IVF. It is expected that the reimbursement policy for IVF in China will be more comprehensive in the future, so that more families eager to have children can realize their dreams.
