Who covers the costs for fertility treatment?
The costs for the investigations of the causes for your infertility will be covered 100 % by your health insurance.
We will inform you in the consultation about the costs of infertility treatments. Medical counselling and the diagnostic measures required to find out the causes for infertility (e.g. ultrasound, hormone testing, semen analysis (spermiogram) and tubal patency test) and simple treatments such as menstrual cycle support with ovulation induction are usually covered 100 % by both statutory and private health insurances. Under certain circumstances, married couples with both partners being members of statutory health insurance, may get 50 % coverage for further treatments (e.g. artificial insemination, IVF, or ICSI). Private health insurance often covers the costs for one treatment (e.g. artificial insemination). For couples with one partner being a member of statutory health insurance (GKV) and the other one being a member of private health insurance (PKV), the full costs for the treatments of the male and the female partner are frequently covered by the PKV or app. 50 % might be covered by the GKV within the scope of reimbursement. Unmarried couples who are members of GKV and married couples with the female partner being aged over 40, or the male partner being aged over 50, or if one of the partners is aged under 25, will always have to pay for the whole treatment (without partial reimbursement of statutory health insurance).
The own share of e.g. an IVF treatment (with both partners being members of GKV) without additional measures will be app. 600 to 800 Euros plus the costs for medication (app. 800 Euros).
Supplementary coverage of gkv
Some of the statutory health insurances offer voluntary supplementary benefits (referred to as Satzungsleistungen), which often distinctly enhance the scope of services. Thus, it is sometimes possible that the insurance covers 75 % of the costs, some insurance providers cover the costs for unmarried couples or share the costs for a fourth treatment cycle (usually 50 % of only three treatment cycles will be covered). Here you can find an overview of the statutory health insurances offering supplementary benefits.
Selective contract with AOK BW
Health insurance provider AOK Baden-Württemberg has presented a selective contract, with which women over 40 are supposed to benefit from fertility treatments via a regular treatment plan and a chip card. By now, no fertility treatment in Baden-Württemberg has joined this contract. Because of that, services for female patients over the age of 40 will still be rated as private medical care.
Artificial insemination (AIH, IUI)
GKV will cover the costs for artificial insemination with the husband's semen in a natural (not stimulated) cycle up to eight times and in a cycle with hormonal stimulation up to three times.
In vitro fertilisation (IVF)
GKV will usually cover 50 % of the costs for treatments and medication, provided that the treating physician proves the need of treatment. If three treatment cycles have been unsuccessful, further treatments need to be permitted by your health insurance.
Private health insurances usually cover 100 % of the costs (see above).
Microinjection has also become a standard benefit of the health insurances and will be billed just like IVF (50 %, max. three cycles of treatment).
If you want to keep redundant oocytes for another IVF cycle, you will have to bear the costs for the preservation in any case. This costs about 350 Euros for cryopreservation and app. 400 to 600 Euros for a cryo-cycle.