How much will it cost? An Overview

Being unable to have a child is recognised as a medical condition. For this reason, statutory health-insurance companies in Germany cover 50% of the treatment costs. The other 50% must be paid by the couple themselves. But, in order for German statutory health-insurance companies to agree to share the cost of treatment, the following conditions must be met:

• The partners are married to one other
• The wife is between 25 and 40 years old
• The husband is between 25 and 50 years old
• Neither spouse has been sterilised
• No donor sperm will be used during the treatment

In order to enable you to plan your treatment in advance and have an idea of the expected costs, we have listed the treatment costs for insemination, IVF and ICSI below.

in the following circumstances treatment may be carried out, but the costs must be borne by the couple themselves:

• The partners are not married to one other
• Sterilisation has been carried out
• When donor sperm is to be used
• The number of courses of treatment approved by the health-insurance company is exceeded
• Both partners are in a lesbian relationship

As a rule, private health-insurance companies in Germany also cover all fertility-treatment costs for policy holders, in the following circumstances:

• The partners are married to one other, although unmarried couples may occasionally be covered
• If the woman is over 40, provided that the chance of her falling pregnant is greater than 15%
• Neither spouse has been sterilised

In other circumstances, it is possible to carry out treatment, but the costs must be borne by the couple themselves:

• When the partners are not married to one other
• If sterilisation has been carried out
• When donor sperm is to be used
• When the health-insurance company has refused to cover the costs

Do you have any questions or problems relating to treatment costs? We would be happy to help you further: E-Mail: info@kinderwunsch-erlangen.de

The costs for insemination treatment with the partner’s sperm are usually covered in full or subsidised in part by both statutory and private health-insurance companies in Germany. The planned insemination treatment can take place during the natural reproductive cycle or after hormonal stimulation.

The costs for the couple’s own contribution may therefore vary depending on how much and what type of medication is used, the number of examination appointments necessary, and the proportion of the cost covered by the insurance company.

The cost of insemination with donor sperm is not covered by health insurance. We will always inform you in advance about the expected costs of treatment.

If both partners have German statutory health insurance

50% of the cost of three courses of IVF treatment is covered. The personal contribution for each course of treatment (treatment costs, medication, anaesthesia) would be around €1500-€1700.

If it can be proven by ultrasound that a pregnancy ending in a miscarriage has occurred, the IVF treatment can be repeated. After the birth of a child, you are again entitled to three courses of treatment – regardless of the number of previous courses of treatment.

If the treatment is not covered by German  statutory health insurance

Private health-insurance policies in Germany are based on the probability of a pregnancy occurring. There are no age limits for the benefits. With IVF treatment, the chance of pregnancy must generally be at least 15% per course of treatment in order for costs to be borne by the insurance company. Depending on the contract, however, the costs are reimbursed according to the company’s own guidelines, so it is generally recommended to make enquiries about this before the start of treatment. The amount contributed by the company is based on the requirements and age limits of statutory health-insurance cover. It covers 50% of the subsidised part of the costs. Those entitled to assistance must submit an application for treatment to the relevant state aid agency. The costs may also vary depending on the number of egg cells treated and how much and what type of medication is used. They are also dependent on the costs covered by private insurance or aid agencies. We will discuss this with you personally based on your situation and create a precise cost plan with you in advance.

If you both live in Bavaria, then the Bavarian state government will subsidise your treatment with up to €800 (you can find more information by clicking this link: www.zbfs.bayern.de)

If both partners have German statutory health insurance

50% of the cost of three courses of ICSI treatment are covered. The personal contribution for each course of treatment (treatment costs, medication, anaesthesia) would be around €1700 – €2000.

If it can be proven by ultrasound that a pregnancy which resulted in a miscarriage has occurred, the IVF treatment can be repeated. After the birth of a child, you are again entitled to three courses of treatment – regardless of the number of previous courses of treatment.

If the treatment is not covered by German statutory health insurance

Private health-insurance policies in Germany are based on the probability of a pregnancy occurring. There are no age limits for the benefits. With ICSI treatment, the chance of pregnancy must generally be at least 15% per course of treatment in order for costs to be covered by the insurance company. Depending on the contract, however, the costs are reimbursed according to the company’s own guidelines, so it is generally recommended to make enquiries about this before the start of treatment. The amount contributed by the company is based on the requirements and age limits of statutory health-insurance cover. It usually covers 25% of the costs. Those entitled to assistance must submit an application for treatment to the relevant state aid agency. The costs may also vary depending on the number of egg cells treated and how much and what type of medication is used. They are also dependent on the costs covered by private insurance or state aid agencies. We will discuss this with you personally based on your situation and create a precise cost plan with you in advance.

If you both live in Bavaria, then the Bavarian state government will subsidise your treatment with between €900 and €1800 (you can find more information at: www.zbfs.bayern.de)

• Freezing of fertilised egg cells at minus 196° C as part of IVF/ICSI treatment is not covered by German statutory health insurance, nor are procedures that take place in connection with cryopreservation – embryo transfer, for example, or any accompanying examinations that may be required. However, health insurance companies do not view treatment attempts after cryopreservation of the egg cells as IVF attempts and costs are therefore NOT deducted from approved courses of treatment.
• Private health insurance companies in Germany partially reimburse cryopreservation costs. However, the significantly cheaper embryo transfers from frozen egg cells are then counted as treatment by the insurance company, which can work out more expensive for policy holders.