Can the reproductive department reimburse medical insurance?

Reproductive department can't reimburse medical insurance. If the reproductive department is infertile, it is not covered by insurance, and other conditions need to consult the insurance company. Commercial medical insurance mainly includes hospitalization allowance type and expense reimbursement type. The former is that the insurance company compensates the insured for the losses during hospitalization, and such products are not duplicated with social security or other types of commercial medical insurance.

Commercial medical insurance only reimburses the actual medical expenses incurred by the insured, and the reimbursement scope of different commercial medical insurance is different. Expense reimbursement insurance can reimburse hospitalization medical expenses, but different products have different provisions on the scope of reimbursement. Some commercial medical insurance contracts stipulate that the actual medical expenses must be reimbursed within the scope of social security reimbursement.

If compensation has been obtained from social security or other social welfare institutions, the insurance company will only pay the rest. If social security cannot be reimbursed, this commercial medical insurance cannot be reimbursed. Its role is only to compensate for the part that needs to be borne by itself in proportion after social security reimbursement. However, some commercial medical insurance stipulates that as long as the actual and reasonable expenses are incurred, the insurance company can make compensation in proportion or after a certain deductible.

Legal basis: Article 82 of People's Republic of China (PRC) Basic Medical Care and Health Promotion Law.

The cost of basic medical services is mainly paid by basic medical insurance funds and individuals. The state raises basic medical insurance funds through various channels according to law, and gradually improves the mechanism of sustainable financing and adjusting the level of basic medical insurance protection. Citizens have the right and obligation to participate in basic medical insurance according to law. Employers and employees pay basic medical insurance premiums for employees in accordance with state regulations. Urban and rural residents pay the basic medical insurance premiums for urban and rural residents according to regulations.