Can I use medical insurance for pre-pregnancy examination?

Medical insurance can be used for pre-pregnancy examination.

At present, the medical insurance policy has included pre-pregnancy examination into the scope of medical insurance. Eligible pregnant women can reimburse the expenses of pre-pregnancy examination through medical insurance, thus reducing the economic pressure of pregnant women and improving their health security level. However, it should be noted that the specific regulations in different regions may be different, and the specific situation needs to be determined according to local regulations. At the same time, the specific items and reimbursement standards of pre-pregnancy examination also need to be determined according to local regulations. It is recommended to go to the local social security department or medical insurance department to consult or inquire about relevant information.

Medical insurance reimbursement process:

1, the insured shall go through the reimbursement procedures at the designated medical institution;

2. Submit ID card, medical insurance card, disease diagnosis certificate, original medical information and other materials;

3, which belongs to the scope of medical insurance reimbursement, shall be directly settled by medical institutions.

To sum up, if pregnant women choose high-end medical institutions or private hospitals for pre-pregnancy examination, medical insurance may limit some expenses or not reimburse them. Therefore, it is suggested that pregnant women should choose regular public hospitals or medical institutions that meet the requirements of medical insurance reimbursement when choosing hospitals and doctors to avoid unnecessary economic pressure.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

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.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

Article 53

Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, and employees shall not pay maternity insurance premiums.

Article 54

The employer has paid maternity insurance, and its employees enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund.

Maternity insurance benefits include maternity medical expenses and maternity allowance.