Fertility treatment costs and health insurance coverage

State support

The financial aspect often plays an important role in moving forward with fertility treatment. In Germany, couples looking to go down this route to concieve a child can apply for state support, as well as possibly taking advantage of statutory or private health insurance support.

Conditions and offers vary between states. Find more information on state support here.

Statutory health insurance

Although a law was passed on 1 April 2004 stipulating that statutorily insured persons must bear 50% of the costs of fertility treatment themselves, more and more statutory health insurance funds are now granting higher or even full cost coverage if certain criteria are met. The health insurance funds regulate such additional cost coverage in their statutes. The conditions for additional cost coverage and the amount of additional cost coverage are also regulated there.

We will be happy to advise you in a personal conversation about which costs you can claim from your health insurance.

Requirements for cost coverage for persons with statutory health insurance

Before treatment begins, you must have a cost and treatment plan approved by your health insurance company. This will be issued to you by your doctor at the fertility centre after checking the criteria listed below. The statutory health insurance fund is only obliged to pay benefits if the following conditions are met:

• Wife and husband must have reached the age of 25 before the start of therapy. The wife must not have reached the age of 40 at the start of therapy, the husband must not have reached the age of 50

• Both spouses must have a negative HIV test

• The couple must have previously been advised by a doctor, who does not perform the procedures himself, about the medical, psychological and social aspects of artificial insemination

  
  

• An expert opinion from a urologist/andrologist recommending the treatment must be available

• In the case of ICSI treatment, two current spermiograms (at least twelve weeks apart) must be available which meet the ICSI criteria. The sperm is assessed according to the valid WHO guidelines

• Neither the wife nor the husband may be sterilised.

If you as a couple do not meet the above requirements, only private billing for fertility treatment is possible.

Additional benefit of the health insurance funds

Many health insurance companies cover the costs of your own contribution under certain conditions.

Under the following link you can find out which health insurance fund covers which costs: www.krankenkasseninfo.de

The statutes of the health insurance funds often differ. Please contact your health insurance company for more information.

Additional funding by the federal states

Find out more about the additional financial support measures provided by the Federal State of Berlin on the Website of the State Office for Health and Social Affairs (in German).

Treatment scenarios costs for private payers

The fertility treatment for each of our patients is tailored to their needs and their situation. The treatment costs are discussed with the couple before the treatment begins.

We have put together some example scenarios to illustrate the price range of the treatments we offer and to help you find your bearings. We can discuss your individual situation in a personal consultation. Talk to us!

The co-payment for the couple, excluding medication and additional services, is around €2.400 per cycle. The individual co-payment depends on the co-payment rate of the health insurance (depending on the health insurance up to 100%).