This article is original, author: Sister Cindy
Population development is a major event related to the development of the Chinese nation. In June 2021, the State Council issued the "Decision on Optimizing the Fertility Policy to Promote Long-term Balanced Development of the Population" to optimize the fertility policy, implement the policy that a couple can have three children, cancel social support fees and other restrictive measures, clean up and abolish relevant penalty regulations, and implement active fertility support measures.
In March this year, the State Council decided to establish a special additional personal income tax deduction for the care of infants under 3 years old. Taxpayers' expenses related to caring for infants and young children under 3 years old are deducted at a standard rate of RMB 1,000 per infant per month.
html In August, with the approval of the State Council, 17 departments including the National Health Commission and the National Development and Reform Commission issued the "Guiding Opinions on Further Improving and Implementing Active Fertility Support Measures", requiring the establishment of an active fertility support policy system to be accelerated to provide strong support for achieving moderate fertility levels and promoting long-term balanced development of the population. In August, the State Council agreed to establish an inter-ministerial joint meeting system for optimizing family planning policies under the leadership of leading comrades of the State Council. A series of documents indicate that the country has released a signal to firmly implement China’s active population and fertility policy.
In this year’s report of the 20th National Congress, it was clearly stated that “establishing a fertility support policy system and implementing a national strategy to actively respond to population aging”. Compared with the report of the 19th National Congress in 2017, which stated that “promoting fertility policies and "Relevant economic and social policies should be supported and connected, and research on population development strategies should be strengthened." It is no longer about the fertility policy to support other policies, but about establishing a fertility support policy system; it is no longer about the population development strategy research, but about the implementation of a national strategy to actively respond to the aging population.
my country's population development has undergone a turning point. The growth momentum of the total population has significantly weakened, the number of births has continued to decline, and the degree of aging has continued to deepen. The National Bureau of Statistics of China released the "2021 Statistical Bulletin on National Economic and Social Development". At the end of the year, the country's population was 1,412.6 million, with 10.62 million births and 10.14 million deaths, an increase of 480,000 from the end of the previous year. China's population has entered a stage of negative growth.
How to promote population growth will be a problem that China will face for a long time to come. The incentive effect of the fertility policy on the population is no longer effective. This can be seen from the continued decline in the number of new births from 2017 to 2021. Improving the desire to have children, making more people want to have children, and making more people want to have more children requires the support of the whole society and needs to be improved. It will not be effective in the short term. Helping infertile patients who already want to have children to achieve their childbearing wishes is an improvement direction that can be implemented and quickly effective.
Assisted reproductive technology is the ultimate solution for infertility patients. The incidence of infertility is 15-18%, and about 20% of infertile couples require treatment with human assisted reproductive technology. The cost burden of implementing human assisted reproductive technology to treat this group of people has been widely mentioned by all walks of life. In recent years, representatives of the and proposals at the two sessions have strongly called for the inclusion of assisted reproduction costs in medical insurance. This article will sort out the compensation for assisted reproduction costs.
1. Government-funded subsidies
1. Subsidies to encourage childbirth
Provincial | Municipal | Subsidies to encourage childbirth - Implementation of assisted reproductive technology subsidy policy |
Hubei | Jingmen | Families in which at least one of the couples is registered in Jingmen, the woman is over 35 years old, has never given birth to children, and really needs assisted reproductive technology, will be given assisted reproduction subsidy |
2 at a standard of not exceeding 10,000 yuan per household. Subsidies for families who have lost their only child
Provincial | Municipal | Families who have lost their only child - Implementation of assisted reproductive technology subsidy policy |
Shaanxi | - | The country encourages a couple to give birth to a child and their only child is accidentally disabled or loses the ability to work or dies. Families that have children can enjoy one-time human assisted reproductive technology services for free, and the required funds will be borne by the provincial finance. |
Inner Mongolia | —— | Families that have lost their only child and participate in maternity insurance or the basic medical insurance for urban employees and the basic medical insurance for urban residents. For those who truly need and voluntarily request assisted reproductive technology, the actual service costs will be settled according to the facts, and the maximum cumulative subsidy will not exceed 30,000 yuan. |
Anhui | Hefei | Families who lost their only child and used artificial assisted reproductive technology, and the cost of in vitro fertilization does not exceed 20,000 yuan, will be given a one-time subsidy of 3,000 yuan.; those who exceed 20,000 yuan will be given a subsidy of 10,000 yuan. |
Henan | —— | For those who really need to implement in vitro fertilization assisted reproductive technology, the local people's government will provide appropriate subsidies. |
Hubei | —— | Family planning Couples from families with special difficulties undergo ring removal and fallopian (semen) tube removal Family planning surgeries such as resumption of pregnancy will be provided free of charge, and successful pregnancy and delivery will be provided with a hospital delivery subsidy of no less than 1,000 yuan; for women over 35 years old who really need assisted reproductive technology, a reproductive subsidy of no more than 30,000 yuan will be provided, which will be disbursed by each county (city, district) from the funds raised in the provincial population welfare fund account, and the total amount will not exceed the balance of local raised funds. |
Hunan | —— | Artificial insemination assisted pregnancy (including preoperative routine examination fee) 6,000 yuan/cycle/couple; IVF assisted pregnancy (including preoperative routine examination and unfreezing cycle assisted pregnancy fee) 42,000 yuan/couple. |
Guangxi | - | Subsidy standards: The subsidy fee should be the out-of-pocket cost of diagnosis and treatment services incurred by the service recipient in a human assisted reproductive technology medical institution, including routine examination items (reproductive condition assessment), assisted reproduction technology diagnosis and treatment, maternal and childbirth care, etc. Based on actual expenses, the maximum cumulative subsidy for couples shall not exceed 50,000 yuan. If assisted reproductive services are unsuccessful once, a couple can enjoy multiple subsidies based on clinical needs, but the total amount of multiple subsidies does not exceed 50,000 yuan. |
Fujian | —— | formulated "About Strengthening "Opinions on Supporting Special Families in Family Planning", free family planning surgical services will be provided to special families who are willing to have another child. Those who implement artificial assisted reproduction will be given a one-time subsidy of not less than 1,000 yuan. If in vitro fertilization is used for assisted reproduction, Fujian Province will provide a one-time subsidy of not less than 20,000 yuan. |
Fujian | Zhangzhou | The government has issued the "Opinions on Further Strengthening Support for Special Family Planning and Family Planning". Those who use in vitro fertilization to support childbirth will receive a one-time subsidy of not less than 20,000 yuan.. |
2. Medical insurance
There are policy documents describing the inclusion of assisted reproductive technology projects in the fund payment scope from the central to local governments, but they have not yet been implemented.
The "Guiding Opinions on Further Improving and Implementing Active Fertility Support Measures" issued by 17 ministries and commissions clearly states that guides local governments to comprehensively consider factors such as the affordability of medical insurance (including maternity insurance) funds and the standardization of relevant technologies, and gradually include appropriate labor analgesia and assisted reproductive technology projects into the scope of fund payment according to procedures.
Beijing, "Notice on Standardizing and Adjusting the Price Items of Some Medical Services"-Beijing Medical Insurance Issue [2022] No. 7, standardizes and adjusts the price items of medical services related to assisted reproduction technology (53 items), and also clarifies the basic medical insurance and work injury insurance reimbursement policies (16 Category A reimbursements + 37 Category C non-reimbursements).
Zhejiang, "Notice on assisting "Zhejiang Good Education" to promote eugenics and eugenics" - Zhejiang Medical Insurance Lianfa [2022] No. 7 , improve the price items of medical services related to assisted reproduction, and include them in the payment scope of basic medical insurance in a timely manner in accordance with relevant national regulations.
Tianjin, "Notice on Issuing the Regulations on Maternity Insurance for Tianjin Employees" - Tianjin Government Regulations [2022] No. 18, comprehensively considering the affordability of the basic medical insurance (including maternity insurance) fund and relevant technical and regulatory factors, gradually include appropriate labor analgesia and assisted reproductive technology projects into the scope of fund payment according to procedures.
3. Commercial Insurance
National Medical Insurance Administration’s Recommended Reply No. 5581 Medical Insurance Letter [2021] No. 175 encourages insurance companies to innovate products and services, and develop and design targeted health insurance products based on the health characteristics, treatment cycles, and medical needs of "infertile" patients to effectively reduce the medical burden of "infertile" patients and improve the level of risk protection.
Beijing Puhui Health Insurance-Partial discount model for assisted reproductive drug use rights. "Specific Assisted Reproductive Drug Rights". With a doctor's diagnosis and prescription to a designated pharmacy, can enjoy a 40% discount on one ovulation induction + one transplant cycle within one year. The drugs cover ovulation induction drugs (Gonarfin), antagonist regimen drugs (Sizekai), luteal support drugs (Xuenuotong), and the maximum amount that can be reduced is 5,000 yuan.
Xihu Yilianbao-assisted reproductive technology limited reimbursement model. During the treatment period at provincial and municipal tertiary medical institutions with specific assisted reproductive qualifications in Hangzhou, "Xihu Yilianbao" will provide a certain limit of subsidies for the expenses of embryo culture and embryo transfer. The reimbursement limit for embryo culture expenses is 0.15 million yuan/year, and the reimbursement limit for embryo transplantation expenses is 0.15 million yuan/year. Within the annual limit, actual reimbursement can be made according to the project. Any excess above the limit will be borne by the insured person personally.
Zhengzhou Medical Huibao-Female reproductive health management services are included in the value-added service model. provides free scientific pregnancy preparation guidance and fertility assessment for couples of childbearing age to improve their fertility. The Scientific Pregnancy Preparation Guidance is a professional pregnancy preparation guidance manual that systematically introduces the theoretical knowledge and practical skills of pregnancy awareness methods to help couples of childbearing age master the basic knowledge and practical skills of scientific pregnancy preparation.Fertility assessment is to help couples of childbearing age to initially evaluate their fertility, the possibility of natural childbirth and the probability of giving birth to a healthy baby, provide guidance on childbearing age and timing of conception, and reduce birth defects. Personalized consultation with a pregnancy specialist is a personalized pregnancy preparation guidance service, FAQs on reproductive health and reproductive health data interpretation services provided by the pregnancy specialist during working hours.
helps infertile patients who want to have children achieve their childbearing wishes, and helps China actively respond to the national strategy of population aging. Innovative commercial insurance payment, implementation of assisted reproductive technology projects into fund payment, government subsidies to encourage childbearing, and multiple measures to reduce the cost burden of infertility patients.
