Provisions on IVF insurance reimbursement
IVF insurance reimbursement means that the birth expenses of IVF babies are included in the insurance coverage by purchasing corresponding insurance products, and the reimbursement is made under certain conditions. The following will elaborate on the IVF insurance reimbursement regulations in terms of insurance coverage, insurance compensation limit, specific reimbursement process and materials to be provided.
Insurance coverage
IVF insurance usually covers the following costs:
First, it includes medical examination fees related to assisted reproductive technology, such as tubal water inspection, hysteroscopy, etc;
Secondly, there are drug costs during the IVF cycle, such as hormone injection, ovulation promoting agents, etc;
In addition, the cost of IVF pregnancy assistance, including IVF and embryo transfer, is also covered by the insurance;
Finally, the prenatal examination and pregnancy health care expenses of IVF can also be reimbursed according to specific insurance policies.
Insurance indemnity limit
The compensation limit of IVF insurance will generally vary according to the agreement of the insurance contract and the policy of the specific insurance company. Generally, the insurance company will determine the amount of compensation according to the amount and level of insurance purchased.
For example, an insurance company's IVF insurance product package A has an insurance amount of 100000 yuan and a coverage rate of 80%, which means that the insurance company can pay up to 80000 yuan of IVF related expenses.
In addition, insurance companies usually set certain compensation limits, for example, the compensation amount does not exceed 80% or 1 million yuan of the insurance contract amount.
Reimbursement process
Before IVF insurance reimbursement, the following steps should be noted:
First, when buying insurance, you must carefully read the insurance contract to understand the insurance company's compensation policy and specific requirements;
Secondly, according to the time and conditions agreed in the insurance contract, take medical and pregnancy aid measures related to IVF;
Then, the relevant receipts and medical materials must be properly kept when making payment;
Finally, according to the requirements of the insurance company, submit relevant materials, such as medical records, prescriptions, expense invoices, inspection reports, etc. for insurance reimbursement.
Materials to be provided
The following materials are usually required for IVF insurance reimbursement:
First of all, medical records and medical records and other documents shall be provided during the completion of IVF related medical and pregnancy assistance measures;
Secondly, it is necessary to provide relevant expense vouchers such as drug purchase invoice and medical expense list;
In addition, it is also necessary to provide reports on the examination and treatment of IVF, such as the report on the inspection of oviduct water supply, embryo transfer records, etc;
Finally, according to the requirements of the insurance company, it may be necessary to provide other relevant materials, such as identity certificate, account book, etc.
Summary
The regulations on IVF insurance reimbursement mainly include insurance coverage, insurance compensation limit, reimbursement process and materials to be provided. By purchasing IVF insurance, the medical and pregnancy assistance expenses related to IVF can be included in the insurance coverage and reimbursed under the conditions agreed in the insurance contract. When making insurance reimbursement, you need to carefully read the insurance contract, properly keep relevant expense vouchers and medical materials, and submit application materials according to the requirements of the insurance company.
