1. Insurance Coverage Functions:

IVF Surgery Insurance is a product specifically designed for patients undergoing assisted reproductive technologies (such as in vitro fertilization). Its purpose is to provide comprehensive coverage throughout the treatment process and reduce the financial burden caused by surgery risks and potential complications during treatment. The key coverage includes:

Surgery Fee Coverage: Covers all medical expenses related to the IVF surgery process, including egg retrieval, embryo transfer, embryo freezing, and related costs.

Complication Coverage: Provides coverage for possible complications during IVF treatment, such as ovarian hyperstimulation syndrome, ectopic pregnancy, and others.

Surgery Failure Coverage: If the IVF surgery fails, the insurance will provide compensation to help alleviate the financial pressure on the patient.

2. Claims Conditions:

Surgery Failure Determination: The failure of the surgery is determined based on HCG testing results after embryo transfer. If surgery failure is confirmed, the insurance will pay compensation according to the contract terms. The specific criteria for surgery failure are:

HCG Testing: If the HCG level is below 50 within 14 to 30 days after embryo transfer, it is considered a failed transfer.

Claims Amount: The amount of compensation is usually set according to different insurance packages and can be used to cover medical and treatment costs incurred after surgery failure.

Claims Documents: Patients are required to provide relevant surgical records, HCG test reports, ultrasound results, and other proof for the insurance company to process the claim.

3. Product Significance:

IVF Surgery Insurance holds significant value in today’s society, especially as fertility issues gain more attention. Its core significance includes:

Alleviating Financial Burdens: IVF surgery costs are high, and risks and complications during treatment can lead to additional costs. This insurance provides financial protection to patients, reducing the economic pressure during treatment.

Ensuring Psychological Safety for Patients: IVF treatment not only involves physical medical procedures but also carries significant psychological stress. The presence of insurance gives patients peace of mind during treatment and reduces anxiety due to potential treatment failures or complications.

Promoting Healthy Development in the Healthcare Industry: By providing insurance coverage for IVF treatment, more patients will be encouraged to seek treatment from professional medical institutions. This also helps hospitals and clinics better manage and share the risks associated with treatment.

Building Trust Between Hospitals and Patients: Providing insurance coverage to patients enhances their trust in hospitals and helps hospitals build a good brand image. Patients will have financial protection in case of medical accidents or treatment failures, which also reduces the hospital's financial and legal liabilities.

4. Applicable Scope:

Patient Group: Primarily for couples or single women who require IVF treatment, especially those facing high-risk pregnancies, such as women of advanced age and those suffering from infertility.

Medical Institutions: Applicable to various secondary and above hospitals, fertility centers, and professional reproductive medicine institutions.