What is the cost of genetic testing with supplementary insurance?

According to the financial news, genetic tests and the cost of diagnostic tests in general are among the supplementary insurance coverage. In this article, we examine the cost of genetic testing with supplementary insurance and the limit of supplementary insurance obligations to cover the costs of this test.

Additional insurance coverage for genetic testing

According to Health Insurance Regulation No. 99, supplementary insurance covers the costs of all types of medical diagnostic tests including pathology, medical genetics and allergy tests, the costs of fetal screening tests including fetal markers and fetal genetic tests. The amount of genetic testing cost coverage with supplementary insurance is a maximum of 10% of the annual main coverage obligation for each insured.

In the following, we will examine the cost of pregnancy genetic testing as one of the most requested tests in supplementary insurance coverage. to know about Additional insurance price To cover the costs of genetic tests, visit the insurance services section.

How to cover the cost of pregnancy genetic testing with supplementary insurance

One of the types of genetic tests that is in high demand in the coverage of the best supplementary family insurance is the cost of pregnancy genetic testing. The cost of these tests will vary from 1 to 20 million Tomans based on the free tariff. Laboratories contract with several insurance companies to provide better services to applicants and cover costs. According to the policies of each center, they may charge the total costs of genetic testing with insurance; But in some laboratories, it is possible to pay for genetic testing with additional insurance for only one or two steps. Be sure to check with the laboratory and the insurance company to make sure that the costs of pregnancy genetic testing at the laboratory you are looking for are covered by supplementary insurance or not.

The limit of Asmari’s supplementary insurance obligations to cover the costs of genetic testing

Asmari individual supplementary insurance coverage is divided into different categories. Based on this division, the cost coverage of genetic tests is placed in the paraclinical section 4 and 5, which includes the costs of pathology and medical genetics, allergy tests, physiotherapy, speech therapy, and occupational therapy. The table below shows the limits of supplementary insurance coverage obligations to cover the costs of genetic testing in each plan:

As mentioned in the table, Asmari supplementary insurance has 6 different plans. You can choose one or two plans for the employees of your company and organization and purchase them individually. Test coverage is provided by Asmari Insurance with a 10% deductible.

How to pay for genetic testing with supplementary insurance

The amount of payment for genetic testing with supplementary insurance is determined based on the deductible. The supplementary insurance deductible to cover the costs of genetic testing varies between 10 and 30%. If your insurance is with a 10% deductible, the insurance company will pay 90% of the cost and 10% will be the insurance company’s share. For example, if the cost of genetic testing is 1 million Tomans. 900 thousand tomans of the test cost is paid by the insurance company and the insurer’s share is 100 thousand tomans. As your deductible percentage increases, the share of the insurance payment to cover the cost of genetic testing will decrease. The deductible will not be deducted if the basic insurance contribution is used.

The deductible of all basic Asmari insurance coverage is 10%. Of course, the deductible of basic plans can be changed to higher deductibles. Additional coverages are also offered with different deductibles. Note that the excess coverage deductible for groups under 50 people cannot be changed; But it is possible to change the basic covers. In addition to genetic testing, costs such as IVF costs are covered by supplementary insurance.

Covering the costs of all types of genetic tests with supplementary health insurance

In this article, we talked about covering the cost of genetic testing with supplementary insurance. We examined the conditions of reimbursement of expenses and the limit of insurance obligations to cover expenses. Genetic testing is one of the specialized tests and is part of the diagnostic group. These tests are covered by the supplementary insurance and their cost is paid by the supplementary insurance. If you have any questions about the plans and the amount of Asmari insurance coverage to pay the costs of genetic testing, share them with us in the comments section.