Shandong Province has introduced the country’s first regional cost – effective IVF insurance plan. This initiative is led by Zhongyuan Insurance Brokerage, a wholly – owned subsidiary of PICC Group, in collaboration with Aiyoubao Health Customized Edition. The insurance is issued, underwritten, and settled by PICC Property & Casualty Shandong Branch.
Policy Background and Benefits
By the end of 2024, all provinces, municipalities directly under the Central Government, and autonomous regions in mainland China had fully implemented the policy of including assisted reproductive technology in social medical insurance coverage. This measure, promoted by the National Healthcare Security Administration, has greatly benefited families preparing for pregnancy through assisted technology.
Previously, the State Administration for Industry and Commerce had been advocating that hospitals increase their participation in commercial insurance applications. Assisted reproduction is a significant medical technology that contributes to population health. The economic pressure on families preparing for pregnancy should be shared by public funds. Test – tube insurance was first launched in China in 2016 and has evolved over eight years. Aiyoubao Health, whose official account is “Aiyixuan,” has participated in the design and promotion of many products and witnessed the upgrading and transformation of each insurance company’s offerings. Driven by medical insurance policies, commercial insurance serves as a supplement. Aiyoubao Health has collaborated quickly and flexibly with insurance providers to launch regional versions of highly cost – effective IVF insurance, significantly reducing premium pressure and providing maximum leverage to protect the economic losses of families preparing for pregnancy.
Claims and Success Rates
Based on the number of insurance claims over the past eight years, the majority of actual claimants are young families preparing for pregnancy who had better indicators at the initial review. These families are typically young and in good health, with a higher likelihood of success. However, due to the large base of claimants, there are still many failures. Many families view this technology as a one – stop lifeline, unaware that doctors advocate early marriage and early childbearing, as the process becomes more difficult with age. Configuring a reasonable amount of IVF insurance is the best way to transfer risks.
Shandong IVF Insurance Plan Details
The Shandong IVF insurance plan offers coverage starting 60 days after embryo transfer surgery, which is approximately 11 weeks of pregnancy. This period is critical, and the plan aims to help families safely navigate the first three months of pregnancy.
There are numerous factors that affect pregnancy, many of which are uncontrollable, leading to a single success rate of around 55% for IVF technology. After embryo transfer, the risks of non – implantation, biochemical pregnancy, and fetal arrest are relatively high. However, this insurance policy covers all these scenarios, including ectopic pregnancy. Even with good indicators, the chance of not getting pregnant remains significant. Many families regard IVF technology as a one – stop lifeline, not realizing that early marriage and childbearing are even more strongly advocated by doctors due to increasing difficulties with age.
Future Outlook
In the future, insurance companies in various regions are expected to follow suit and launch regional versions of high – cost – performance IVF insurance products. Follow the official account of Aiyixuan for updates and further developments.
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