The cost of abortion is usually regarded as reproductive medical expenses, and according to the medical insurance policy, reproductive medical expenses are not covered by medical insurance reimbursement. Medical insurance mainly covers medical expenses caused by diseases or accidental injuries, while maternity expenses are regarded as the responsibility of individuals and families.
Included in the scope of medical insurance reimbursement projects mainly include the following categories:
1. Drug expenses: including Class A and Class B drug expenses. Class A drugs are basically unified throughout the country and meet the basic needs of clinical treatment, and all expenses are included in the scope of reimbursement; Class B drugs are adjusted by provinces, autonomous regions and municipalities directly under the Central Government according to their own conditions, and employees pay a certain proportion and then are included in the scope of reimbursement. However, some drugs, such as nourishing drugs, some animals and animal organs that can be used as medicines, Chinese herbal medicines and medicinal liquor made from Chinese herbal medicines, are not included in the reimbursement scope.
3. Expenses of diagnosis and treatment items: including clinically necessary, safe, effective and appropriate expenses, such as treatment expenses, laboratory expenses, operation expenses and special examination expenses. However, some items such as registration fee, home visit fee, urgent fee for examination and treatment, and surcharge for roll call operation are not included in the reimbursement scope.
4. Expenses of medical service facilities: mainly including inpatient bed fees and outpatient (emergency) bed fees.
To sum up, buying appropriate medical insurance or health insurance can also reduce the economic pressure brought by abortion to a certain extent.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 28
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.