How to purchase IVF insurance
IVF insurance is an insurance product that can provide financial security for couples who are ready for IVF technical treatment. Here are four common ways to buy IVF insurance.
1. Medical insurance plus IVF guarantee
Many medical insurance companies provide IVF insurance as an additional service of medical insurance. In this way, couples only need to buy regular medical insurance, and then pay an additional fee to obtain IVF related protection. Some medical insurance companies will make relevant expenses according to the specific terms of each insurance policy.
For couples who purchase medical insurance plus IVF insurance, they can enjoy the compensation of IVF related expenses by purchasing additional services at a time. This method of purchase is relatively simple, but requires additional costs.
For example, medical insurance company A provides the service of additional IVF insurance, and couples need to pay an additional 2000 yuan when purchasing medical insurance to obtain IVF related expenses.
2. Independent purchase of IVF insurance
IVF insurance can also be purchased as an independent insurance product. Couples can directly contact insurance companies or insurance agents to purchase insurance specifically for IVF technology.
Couples who buy IVF insurance independently need to choose according to the premium rates and insurance terms provided by different insurance companies. This way of purchase is more flexible, and couples can choose the amount of insurance and the duration of insurance.
For example, insurance company B provides IVF insurance. Couples can choose to purchase 10000 yuan, 30000 yuan or 50000 yuan of insurance amount according to their own needs, and choose the insurance period of one year or three years.
3. Individual business insurance plan
Some employers provide employees with personal commercial insurance plans, which may include IVF protection. In this way, couples only need to participate in the commercial insurance plan provided by the employer to enjoy the protection of IVF related costs.
There are many advantages to participating in the personal business insurance plan provided by the employer, such as the insurance costs may be partly paid by the employer, and the insurance coverage is more comprehensive. However, the specific amount and terms of protection need to be determined according to the employer's commercial insurance plan.
For example, employer C has provided a personal business insurance plan, and couples can enjoy a 50000 yuan IVF guarantee after joining the plan.
4. IVF guarantee provided by national or regional governments
The governments of some countries or regions also provide medical insurance related to IVF. For example, a country X provides eligible couples with reimbursement of IVF related expenses through the national medical insurance plan.
In this way, couples need to meet the relevant provisions and conditions of the national or regional government, and finally obtain the government's IVF guarantee. The specific guarantee amount and reimbursement proportion shall be determined according to the policies of the national or regional government.
For example, the Y provincial government of country X provides IVF insurance, and couples need to enjoy the reimbursement of IVF related expenses after meeting the specified conditions, with the reimbursement ratio of 80%.
Summary
The purchase of IVF insurance is diversified. Couples can choose medical insurance plus IVF insurance, buy IVF insurance independently, participate in individual commercial insurance plans or enjoy IVF insurance provided by the government. Different purchase methods have their own characteristics and scope of application. Couples can choose the most suitable purchase method according to their own conditions and needs to obtain economic security.
