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Fertility treatment costs and health insurance coverage

The costs of your infertility treatment depend on the therapy in question. If you meet certain requirements, statutory health insurance companies may cover half, or even all, of the costs.

TFP fertility treatment in Germany

Precisely regulated: The additional cost coverage of your IVF treatment


A large part of the costs of artificial insemination (in vitro fertilization, IVF) is paid for by the IVF Fund. In order to be eligible for support from the IVF Fund, certain conditions regarding cause, age or health insurance must be met. Find out more here.

Statutory health insurance



Although a law was passed on 1 April 2004 stipulating that those with statutory health insurance have to bear 50% of the costs of infertility treatment themselves, more and more statutory health insurance companies 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. Couples who are not married can also be reimbursed on a pro-rata basis. It is therefore best to ask your health insurance company individually for information on which costs your health insurance company will cover. Please also ask your health insurance company about the conditions and the amount of the additional costs covered.


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

Prerequisites 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:

  • The patients must be married to each other.

  • The 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.

  • The wife must have an immune protection against rubella and 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.

  • In the case of ICSI treatment, 2 current spermiograms (at least 12 weeks apart) must be available which meet the ICSI criteria. The sperm is assessed in accordance with the valid WHO guidelines.

  • Neither the wife nor the husband may be sterilised.

If you as a couple do not fulfil the above-mentioned requirements, only private billing of the fertility treatment is possible.

Private health insurance



Private billing applies if the couple is privately insured or one of the partners is privately insured and the childlessness is caused by him/her ("causation principle").


In the case of private billing, we will conclude an individual fee contract with you. Reimbursement of the costs by your private health insurance or other reimbursement agencies (e.g. allowance, etc.) may not be guaranteed, or not to the full extent.


Before you start treatment, we will inform you about the costs. You will receive a detailed cost estimate from us in advance according to the "Gebührenordnung für Ärzte (GOÄ)".


Private billing for services is also necessary in the following cases:

  • The couple does not meet the requirements for cost coverage by the statutory health insurance.

  • The benefits of the statutory insurance have been exhausted.

Measures are carried out that are not part of the benefits of statutory health insurance.

Knappschaftsversicherung



According to its statutes, the Knappschaft will cover up to 500 euros of the co-payment per attempt. This applies for up to three treatment cycles and for all treatment measures. The exception is insemination in a spontaneous cycle, where up to eight treatments are supported. The following conditions apply for this cost subsidy. Both spouses must be insured with the miners' insurance and must have reached the age of 25. At the same time, the woman must not have exceeded the age of 40 and the man the age of 50. Furthermore, only the egg and sperm cells of the spouses may be used.


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

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 company covers which costs: www.krankenkasseninfo.de


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

Treatment scenarios costs for private payers



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


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%).

Scenario 1 – IVF/ ICSI

Price range

€ 3.200 - 3.700 *

Initial consultation

-

IVF/ ICSI treatment with embryo culture and embryo transfer

-

Anaesthesia

-

Geri TimeLaps

-

Medicines for hormonal stimulation*

*Approximate cost, total amount depends on type of medication used, dose and time taken.

-

Scenario 2 - Intrauterine insemination (IUI) (stimulation cycle)

Price range

€ 500 - 1.000 *

Initial consultation

-

IUI treatment, follicular monitoring, semen preparation** and semen transfer

** Foreign seeds on request

-

Medicines for hormonal stimulation*

*Approximate cost, total amount depends on type of medication used, dose and time taken.

-

Scenario 3 - Intrauterine insemination (IUI) (spontaneous cycle)

Price range

€ 250 - 500 *

Initial consultation

-

IUI treatment, follicle monitoring, semen preparation** incl. matching (RI Witness) and semen transfer

** Foreign seeds on request

-

Medicines for hormonal stimulation*

*Approximate cost, total amount depends on type of medication used, dose and time taken.

-

Scenario 4 – Social Freezing

Price range

€ 3.600 * **

Initial consultation

-

Puncture

*Approximate cost, total amount depends on type of medication used, dose and time taken.

-

** plus annual storage costs

€360.00
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