“the cost of the examination was finally reimbursed, plus the registration fee, and a total of $3480 was reported.” in recent days, yang xueyun bank, which works in beijing, has added a sum of money to its card. Looking at the figures shown on the bank's app, she was depressed: “the inspection cost almost $13,000, only $3480, not even a third.”
The reimbursement referred to by yang xianyun refers to the reimbursement of maternity insurance for the medical expenses incurred in connection with the birth of a female employee. Interviews with journalists revealed that women workers, such as yang xianyun, do not have a small number of high-cost and low-repayable labour. In response to the confusion among female workers, an interview was given by the workers' daily newspaper。
3000 for the inspection, 3280 for the inspection
In january 2023, yang xianyun became pregnant and built a general class at a public hospital in sana. She spent $3280 on blood pumping, cardiac, liver crumb pancreas, and nt tests. In the follow-up check-up check-up, $583 for the big platoon test, $1475 for the dna test, and $4,500 for the b check-up。
According to the beijing maternity insurance policy, the rate of payment for prenatal check-ups is 3,000 yuan. The billing fee is different. “as soon as it is set up, the amount reimbursed for the inspection will be exhausted, and then it will be at its own expense.” yang said。
Like yang shuyun, li qun, who was born in sichuan, was somewhat dissatisfied with the amount of reimbursement。
In march 2023, after the pregnancy, li qun built a regular class at one of chengdu's three-academic hospitals. After completing her dna-free, li qun showed that the sexual chromosomal abnormality and that she had been recommended by doctors for a sheep water piercing at her own expense of $6582. In addition to several emergency cases due to bleeding in front of the placenta, li qun said, “the forest has finally come down with a total cost of $14,893 for inspection”
Under the chengdu maternity insurance policy, the rate of reimbursement for prenatal check-ups is $700. Li qun wonders, "why does the maternity test cost so much and the maternity insurance pays so little?"
“the increase in the price of medical services is one of the main reasons for the increase in the cost of childbirth.” according to yang, a senior partner of the chinese and silver law firm in beijing, as medical technology increases and medical costs increase, the cost of examining medical services increases, “and the amount and scope of reimbursement for maternity insurance lags behind the increase in the price of medical services, resulting in higher costs and lower reimbursement for the examination”
In addition to advances in medical technology, the importance attached by modern families to childbirth is an important reason for increasing the cost of reproductive health care。
“on the one hand, women tend to choose higher-level medical institutions to give birth, and accordingly the cost of medicine increases. On the other hand, for some of the non-requiremental screening projects, many people are more likely to do so. In addition, the general increase in the age of childbearing has objectively led to an increase in the cost of medical care for childbirth. However, as a social insurance system, maternity insurance is defined as basic insurance, and not all maternity care is covered.” wang's beauty expression。
Some of the mandatory items are not covered by reimbursement internal
Journalists were informed that the examination was divided into mandatory and optional items. The mandatory programmes include blood protocol, urine protocol, blood sugar screening, colour over-checking and screening for foetal chromosomes. In addition to down's screening, the means of testing for chromosome diseases are available for higher-accuracy tests such as dna. However, even mandatory projects are not all reimbursable。
“at that time, the doctor asked me to pick one from down's screening, dna-free, sheep-water piercing.” yang said that in beijing, down screening was free of charge and free of cost for dna and water piercing。
The yang xiaoyun consultant was informed that dna testing was more accurate than down screening. The highest accuracy rate of water piercing is found, but there are risks. In the end, she chose unsolved dna: “it's about the health of the baby, even if i can't pay for it.”
In addition to the maternity check-ups project, some of the costs incurred during childbirth are not covered by the maternity insurance。
Ryoyin, who was born in a public hospital in shandong island, told journalists that she spent a total of $9920 on childbirth, including hospitalization, painless childbirth, counselling services, surgical expenses, etc., and that she was reimbursed $5,900 for her health insurance and $4020 for her own expenses upon discharge。
Painless childbirth is an assistive technique to reduce and eliminate pain during childbirth. Leverage is a midwife with medical knowledge and experience in the handling of births, who provides psychological, physical and even emotional assistance。
Despite the fact that these services are self-financed, the first birth, and some stressful ronechin, chose these services. “in fact, if you don't give birth, you won't be able to pay for it. My colleague and i had a baby in a hospital, only paid $137。
“the maternity insurance fund comes from contributions and is used as efficiently as possible.” wang's beauty suggests that much of the current reimbursement is based on projects. “the ability of tests such as water piercing and genetic screening to be covered by safeguards is assessed and validated in the context of maternal needs and the affordability of the fund.”
Development of dynamic adjustment mechanisms for maternity insurance payments
With regard to the proposal to increase the amount of compensation for maternity insurance, yang said that adjustments in the amount and scope of compensation were based on a combination of social equity, population policy and maternity protection needs, taking into account economic conditions, wage levels, medical expenses, etc。
In 2022, 17 departments, such as the national commission for health and health, the national commission for development and rehabilitation, issued guidelines for the further improvement and implementation of active maternity support measures, which called for the strengthening of maternity insurance to guarantee, inter alia, the medical costs of maternity and maternity benefits for women workers covered by maternity insurance。
Wang ying believed that prenatal check-ups were currently a weak link in the medical treatment of births. Antenatal check-ups are provided by outpatient clinics, which are difficult to implement in relation to hospital coverage. She suggested that guidelines for prenatal check-ups should be developed by the health sector to regulate the number, frequency and service lines of the check-ups, and that maternity insurance should be based on the scope of the service guidelines. “on the basis of the guidelines, the health-care sector may further reduce the burden of medical expenses on maternity by establishing reimbursement policies based on the ability to raise funds, the status of the fund's income and expenditure, etc..” wang yanxian says。
“with regard to hospital deliveries, in most regions, quotas or quotas are applied, and the cost of medicines continues to rise as the level of socio-economic development increases and the price of goods changes. If previously established payment rates are not adjusted in a timely manner, the amount paid for maternity insurance will be slightly lower than the price of medicines that has been increased.” wang ying suggested that adjustments be made to the increase in local price levels to create a dynamic adjustment mechanism for the payment of maternity insurance quotas。
Shen jian feng, director of the academic council of the faculty of law of the chinese institute of labour relations, recommended that commercial health insurance be purchased for women workers as a supplement to maternity insurance and that the burden of medical costs for childbirth be reduced. At the same time, he pointed out that “how to open up the maternity insurance fund is also a way to think about”
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