Instructions for purchase of IVF insurance
IVF refers to the process of cultivating fertilized eggs in the laboratory and transplanting them into the mother's body through artificial assisted reproduction technology, and finally achieving fertility. Because of the relatively high medical costs of IVF, more and more families choose to purchase IVF insurance. Here are some tips for purchasing IVF insurance.
Select suitable insurance products
When choosing IVF insurance, we should first understand the reputation and history of the insurance company and choose an insurance company with good reputation. Then, according to the needs and economic strength of individual families, choose the appropriate insurance products. Generally speaking, IVF insurance mainly includes two parts: maternity insurance and baby insurance.
Maternity insurance mainly covers the medical expenses of test tube babies, including diagnosis expenses, operation expenses, medicine expenses, etc. Baby insurance is to provide protection for the health problems that may occur after the birth of test tube babies, including hospitalization costs, surgery costs, etc. When selecting insurance products, you should carefully read the insurance terms to understand the scope of insurance liability and claims settlement provisions.
In addition, attention should be paid to the waiting period and deductible of insurance. The waiting period refers to the time period from the purchase of insurance to the enjoyment of insurance liability, generally ranging from 3 months to 1 year. Deductible refers to the part borne by the insured himself when insurance claims are settled. When purchasing IVF insurance, you should understand these terms and choose according to your actual situation.
Select appropriate insurance amount and insurance period
The insured amount of IVF insurance should be determined according to the actual situation. Generally speaking, the insurance amount shall cover all medical expenses of IVF, including diagnosis expenses, operation expenses, medicine expenses and possible complications. It is suggested to select the appropriate insurance amount according to the hospital's charging standard and personal economic strength.
The term of insurance refers to the period of time during which the insurance is purchased. Generally speaking, the insurance period of IVF insurance should match the whole process of IVF, including the birth of the baby and possible follow-up treatment. Select the insurance period according to the actual situation to ensure that IVF can be guaranteed in the whole process.
Understand the insurance claim process and medical institutions
Before purchasing IVF insurance, you should understand the claim settlement process of the insurance company and what documents and supporting materials need to be provided. Claim settlement process generally includes reporting, review, compensation and other links, which should be familiar with and operated as required. At the same time, we should also know about the after-sales service and claim settlement speed of the insurance company, and choose an insurance company with good service.
In addition, we should know about the medical institutions cooperated by insurance companies. The operation of IVF needs to be carried out in large professional reproductive institutions, so it is more secure to choose cooperative medical institutions when purchasing insurance. Some well-known reproductive hospitals, such as the Reproductive Center of Peking Union Medical College Hospital and the Reproductive Center of Ruijin Hospital affiliated to Shanghai Jiaotong University School of Medicine, have good cooperative relations with insurance companies.
Summary
To purchase IVF insurance, you need to select appropriate insurance products, including maternity insurance and infant insurance, and pay attention to the waiting period and deductible of insurance. The amount and duration of insurance shall be determined according to the actual situation. Understanding the insurance claim process and medical institutions is crucial to purchase insurance and subsequent claims. Finally, choose an insurance company with good reputation and good service to provide all-round protection for the health of IVF and the future of the family.
