Patient's question:
I am a 26-year-old woman, and my husband and I have always wanted to have children. Could you please tell me if the money in our medical insurance card can be used for childbirth?Doctor's answer:
Having a child usually costs less than 5,000 yuan, and daily expenses are not considered. Cesarean section is more expensive than a natural birth. Medical insurance cannot be paid in advance unless it meets the prepayment conditions. A fertility insurance policy is required for prepayment. The female can claim 100% of the expenses, which does not include free-of-charge drugs. If the female does not have fertility insurance, and the male has, half to 80% can be prepaid, excluding free-of-charge drugs. The above does not take into account various special cases or wealthy individuals, and costs vary greatly depending on the hospital.