First, the status quo of IVF treatment
IVF, also known as in vitro fertilization-embryo transfer, is an assisted reproductive technology, which is used to help couples who cannot conceive naturally realize their fertility wishes. With the continuous development of medical technology, IVF technology has been widely used in the world. However, due to the complicated medical operation and high cost, this technology has not been included in the scope of medical insurance in many areas.
Second, Hangzhou medical insurance policy
In Hangzhou, the medical insurance policy mainly covers basic medical services and drug costs. Although the medical insurance policy in Hangzhou has been continuously improved in recent years, the scope of reimbursement has been expanded and the proportion of reimbursement has been increased, but assisted reproductive technologies such as IVF have not been included in the medical insurance catalogue. This means that patients who receive IVF treatment in Hangzhou need to bear all the expenses, including examination fees, medicine fees, surgery fees and so on.
Third, the cost and burden of IVF.
The cost of IVF treatment varies with hospitals, technical level and individual differences. Generally speaking, the treatment cost of IVF is high, which is a big burden for many families. Therefore, many couples need to consider the economic situation and family economic situation when facing IVF treatment.
Fourth, look forward to future policy changes.
Although test-tube babies have not been included in medical insurance in Hangzhou at present, with the change of social concept and the adjustment of birth policy, more assisted reproductive technologies may be included in medical insurance in the future. This will help to reduce the economic burden of patients, increase the fertility rate and promote family harmony and social stability.
To sum up:
Hangzhou has not included IVF in the scope of medical insurance, and patients need to bear the relevant expenses for IVF treatment in Hangzhou. Although the cost of IVF treatment is high at present, with the change of social concept and the adjustment of birth policy, more assisted reproductive technologies may be included in medical insurance in the future. It is expected that the future policy will provide financial support for more families who need IVF treatment.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 28 provides that:
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.
Measures of Hangzhou Municipality on Basic Medical Security
Article 6 provides that:
The following employers and individuals within the administrative area of this Municipality shall participate in basic medical insurance according to law, including basic medical insurance for employees and basic medical insurance for urban and rural residents:
(a) state organs, institutions, social organizations, enterprises, private non-enterprise units and individual economic organizations and their employees;
(2) Urban and rural residents registered in this Municipality;
(3) Full-time primary and secondary school students who are not registered in this city and are studying in this city;
(four) other personnel as prescribed by the state, province and city.