How to reimburse the cost of prenatal check-up? The most comprehensive guide on the Internet is here!
Recently, "prenatal check-up expense reimbursement" has become a hot topic on social platforms, and many expectant mothers have questions about the reimbursement process and standards. This article will combine hot-spot discussions across the Internet within 10 days and organize reimbursement guidelines in a structured manner to help you deal with it easily.
1. Policy basis for reimbursement of prenatal examination expenses
According to the latest "Maternity Insurance Regulations" in 2023, insured employees can enjoy reimbursement of prenatal check-up expenses, and the details vary slightly from place to place. The following is a comparison of common reimbursement standards:
| area | Reimbursement ratio | Limit (yuan) | Materials required |
|---|---|---|---|
| Beijing | 90% | 3000 | Medical insurance card, examination receipt |
| Shanghai | 85% | 3500 | Birth registration certificate + invoice |
| Guangzhou | 95% | 4000 | Prenatal medical record + settlement form |
2. Detailed explanation of the reimbursement process (with time points)
A general process is extracted from the actual experience of netizens:
| steps | Operation content | Things to note |
|---|---|---|
| 1. Filing and registration | Complete birth registration before 12 weeks of pregnancy | Marriage certificate and B-ultrasound are required |
| 2. Accumulation of fees | Save all inspection invoices | Electronic invoices need to be printed in paper form |
| 3. Submit application | Apply within 3 months after delivery | Some areas support online submission |
3. Answering high-frequency questions (from Weibo/Zhihu hot posts)
Q1: Can self-financed projects be reimbursed?
For example, Down syndrome screening (200-1000 yuan), non-invasive DNA (1000-3000 yuan), etc. are included in reimbursement in some cities, so you need to consult the medical insurance bureau in advance.
Q2: How to reimburse for off-site inspection?
Proof of referral needs to be retained, and the reimbursement rate may be reduced by 10%-20%. A Xiaohongshu user shared: "I went back to my hometown for reimbursement during the prenatal check-up in Shenzhen, and finally received about 65% of the money."
4. Tips for saving money (popular suggestions on Douyin)
5. New benefits in 2023 (according to the official government website)
Hangzhou and other 6 cities have piloted the "direct exemption for prenatal check-ups", and eligible pregnant mothers can directly deduct the following when paying:
| city | implementation hospital | Deduction ratio |
|---|---|---|
| Hangzhou | 12 companies including the Municipal Maternity Insurance Company | Real-time settlement 80% |
| Chengdu | 8 hospitals including West China Second Hospital | Free first inspection |
Warm reminder:Policies in various places may be adjusted every month. It is recommended to check the latest developments through the "National Medical Insurance Service Platform" APP. Collect this article and share it with friends in need, so that more pregnant mothers can enjoy the policy dividends!
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