Is non-invasive dna insured?

Noninvasive dna is insured. If there is something wrong with the non-invasive result, the report cannot be used as the basis for induced labor, so the non-invasive 2000 yuan includes insurance premium.

Insurance has two aspects. On the one hand, if there is something wrong with your results, the insurance company will help you pay for amniocentesis and induce labor according to the results of amniocentesis. On the other hand, if there is no problem with your results, if the baby suffers from this disease within one year after birth, the insurance company will compensate you for 200,000.

Non-invasive prenatal genetic testing is to collect pregnant women's peripheral blood (5ml), extract free DNA, and obtain the risk of fetal chromosome aneuploidy (2 1- trisomy, also known as Down's syndrome, 18- trisomy and 13- trisomy) by using the new generation high-throughput sequencing technology combined with biological information analysis. The best detection time of this method is the first and second trimester of pregnancy, and it has the characteristics of non-invasive sampling, no risk of abortion, high sensitivity and high accuracy.

The results showed that fetal free DNA could be detected in the peripheral blood of pregnant women from the fourth week of pregnancy. With the increase of gestational age, the content of fetal free DNA also increases. After pregnancy 12 weeks, by extracting free DNA from pregnant women's peripheral blood, we can accurately judge whether the fetus has chromosome diseases by using the new generation of gene sequencing technology combined with bioinformatics analysis methods.

The traditional serological screening method calculates the results according to the age, gestational age, hormone level and weight of pregnant women, which has high false positive rate and great risk of missed detection.

Traditional prenatal diagnosis adopts invasive sampling methods, such as villus sampling, amniocentesis and fetal umbilical vein puncture. Although these operations can diagnose whether there is chromosomal aneuploidy in the fetus, puncturing the wound may lead to risks such as infection and abortion.

Non-invasive dna insurance is a kind of medical insurance for pregnant women, which guarantees chromosome monitoring of diseases. Take China Life's non-invasive prenatal monitoring of fetal chromosomal aneuploidy as an example;

1. If the result of chromosome non-invasive monitoring is positive or high-risk, the insurance company will pay the medical expenses incurred by the insured for prenatal diagnosis, with the insured amount of 2,500 yuan;

2. If the result of chromosome non-invasive monitoring is negative or low-risk, and the insured is finally diagnosed with chromosome diseases, the insurance company will reimburse the expenses for diagnosis and termination of pregnancy, with the insured amount of 20,000. If the baby is diagnosed with chromosome diseases within one year, the insurance company will pay a fixed amount of 40 thousand insurance money.