多地医保大幅提高产检报销，北京最高可报1万元

Core Insights - Multiple regions in China, including Beijing and Fuzhou, have significantly increased the reimbursement levels for prenatal check-up expenses starting from January 1, 2026, as part of a broader initiative to enhance maternity healthcare support [1][2][3]. Group 1: Increased Reimbursement Levels - Beijing has raised the reimbursement standard for prenatal check-up expenses for female employees under the maternity insurance from a maximum of 3000 yuan to a full reimbursement for expenses within this limit, and 30% reimbursement for expenses exceeding 3000 yuan, with a maximum fund payment of 10,000 yuan [2]. - Ningxia has implemented a new policy where there is no threshold for reimbursement for prenatal check-up expenses, with the reimbursement rates set at 60% for residents and 75% for employees, with maximum payment limits of 1000 yuan and 4500 yuan respectively [3]. - Zhejiang province will introduce a comprehensive maternity service package that guarantees full reimbursement of 3450 yuan per cycle for prenatal check-ups, with an additional 1000 yuan for each subsequent child starting from December 1, 2025 [2]. Group 2: Expansion of Coverage - The coverage of maternity insurance benefits has been expanded to include unemployed spouses of male employees who are insured, allowing them to receive reimbursement for prenatal medical expenses at the same standards as female employees [4]. - Beijing has added flexible employment, retired personnel, and insured residents to the list of individuals eligible for reimbursement of prenatal check-up expenses, marking a significant policy shift to include retirees in maternity healthcare benefits [5]. - The proposed regulations in Yunnan aim to include flexible employment individuals in maternity insurance, allowing them to receive maternity leave benefits based on the minimum wage standard without additional funding requirements [6].