What is the price of IVF insurance?
IVF is an advanced reproductive technology. Through assisted reproductive technology, the fertilized eggs are cultivated to a stage suitable for implantation into the mother, and then implanted into the mother, helping those couples who cannot conceive naturally realize their reproductive dreams. The expenses of IVF include medical expenses, drug expenses and hospital expenses. This article will elaborate on the price of IVF insurance in terms of medical expenses, drug expenses, hospital expenses and insurance.
1. Medical expenses
The medical expenses of IVF include the initial diagnosis fee, assisted reproductive technology fee, operation fee and prenatal examination fee. The initial diagnosis fee usually ranges from hundreds to thousands of yuan, and the specific charging standard varies depending on the hospital, doctor's qualifications and regions. The cost of assisted reproductive technology mainly involves the main technical links of IVF, such as in vitro fertilization costs, embryo culture costs, etc. The cost of operation includes the cost of ultrasound examination during ovarian stimulation and the cost of ovum retrieval, ranging from thousands to tens of thousands of yuan. The cost of prenatal examination is mainly for the examination in late pregnancy, which is generally between hundreds and thousands of yuan. Therefore, medical expenses are an important aspect of IVF insurance.
2. Drug expenses
IVF needs to use a series of assisted reproductive drugs to promote egg development and control ovulation. The cost of these drugs is relatively high, and the cost will change due to different doses of individual physique. Generally speaking, the cost of assisted reproductive drugs ranges from thousands to tens of thousands of yuan. The level of drug costs will also affect the price of IVF insurance.
3. Hospital expenses
IVF surgery is usually completed in large general hospitals or professional reproductive hospitals. The size, equipment, technical level and geographical location of the hospital will affect the cost of IVF. Generally speaking, the cost of IVF in general hospitals and professional reproductive hospitals in large cities is relatively high. For example, well-known hospitals such as Peking Union Medical College Hospital and Ruijin Hospital affiliated to Shanghai Jiaotong University School of Medicine can provide IVF service, but the cost is relatively high, which is related to the geographical location and hospital reputation.
4. Insurance
IVF insurance is a kind of insurance product that specifically protects the medical expenses of IVF. The insurance company can provide different insurance schemes according to the demand of the applicant and the insured amount and other factors. The price of IVF insurance varies with insurance companies and insurance schemes. For example, the IVF insurance plan launched by an insurance company has a premium of 3000 yuan per year, covering medical expenses, hospitalization allowance, surgery expenses and other items. The IVF insurance products and prices offered by different insurance companies vary greatly, so the applicant can choose an appropriate insurance scheme according to their own needs.
To sum up, the price of IVF insurance is affected by many factors, including medical expenses, drug expenses, hospital expenses and insurance. Policyholders can avoid the huge economic risks caused by IVF by choosing an insurance scheme suitable for their own needs.
