Can IVF be reimbursed by medical insurance?

Currently, in vitro fertilization is not covered by medical insurance, so it cannot be reimbursed.

Except for the cost of in vitro fertilization, which cannot be reimbursed by the maternity insurance fund, you can continue to enjoy the maternity insurance policy after the in vitro fertilization is successful. Although maternity insurance cannot reimburse the expenses incurred by IVF, female employees who obtain pregnancy through IVF are still in line with the target of the fertility policy and can reduce the family burden, especially after spending a large amount of IVF expenses. economic pressure brought about.

In the current national public medical system, the cost of in vitro fertilization cannot be reimbursed. However, if you purchase commercial insurance, you can be reimbursed according to the insurance agreement. The cost of in vitro fertilization mainly includes the cost of physical examination and reproductive system examination of both men and women, medication costs, and costs incurred during the operation.

The cost of IVF includes examination fees, drug fees, laboratory fees, and surgical fees. The usual cost is around RMB 30,000 to RMB 50,000. In vitro fertilization cannot be reimbursed according to my country’s medical policies. Therefore, it is recommended that you not worry too much, let alone put too much pressure on yourself, and go to the hospital for a physical examination first. The doctor will give you a treatment plan based on your specific situation, and will also tell you the specific cost.

Guidance: In vitro fertilization is not covered by medical insurance. If you buy additional maternity insurance or medical insurance, you can be reimbursed for hospitalization during the in vitro fertilization period. You must pay more attention to rest. Don't stay up late, have a regular work and rest schedule, and eat a nutritious diet. Follow the doctor's instructions. Eat more fruits and vegetables, and exercise appropriately to improve your body's immunity. The cost of IVF is not within the scope of medical reimbursement. During the examination and hospitalization, the money in the medical insurance card can be used. If medication is needed, other expenses will be directly saved during the hospitalization, because IVF is currently a self-pay item and cannot be reimbursed. The charging standards of each hospital are different, ranging from tens of thousands to hundreds of thousands, so you should prepare enough money for the operation. In vitro fertilization cannot be successful in one go, and it exists with probability.

Legal basis:

Article 30 of the "Social Insurance Law"

The following medical expenses are not included in the payment scope of the basic medical insurance fund:

(1) If it should be paid from the work-related injury insurance fund;

(2) If it should be borne by a third party, the medical expenses should be borne by the third party in accordance with the law and will not be reimbursed by medical insurance; the third party will not be reimbursed. If the third party is unable to be paid or cannot be identified, the basic medical insurance fund will pay first. After the basic medical insurance fund has paid in advance, it has the right to recover compensation from the third party.

(3) Projects such as prevention of major diseases and infectious diseases (such as tuberculosis and AIDS) and immunizations should be borne by the public health.< /p>

(4) Seeking medical treatment abroad. Medical expenses shall be borne by a third party in accordance with the law. If the third party fails to pay or the third party cannot be identified, the basic medical insurance fund shall pay first. After the basic medical insurance fund has paid in advance, it has the right to recover compensation from the third party.