The costs for diagnosing the reasons for restricted fertility are carried by your health insurance provider, provided it is included in your scheme.
The treatment itself is a different matter. The health insurers do not cover all of the treatments. Statutory health insurance providers and most private insurers do not carry the costs of additional services that are designed to optimise a positive outcome.
All information on cost cover and co-payments refer to German health insurance plans.
Cost cover by statutory health insurance providers
The statutory health insurance providers pay for 50% of eight inseminations, i.e. three IVF or ICSI cycles.
Since 1 January 2014, couples with statutory health insurance plans have been asked to make the following co-payments for treatment and medication, in addition to their basic cover:
- for insemination:
co-payment toward treatment costs, approx. €110.00
- for IVF, per cycle:
co-payment toward treatment costs, approx. €800.00
- for IVF + ICSI, per cycle:
co-payment toward treatment costs, approx. €950.00
- co-payment for medication, per IVF cycle:
co-payment, at least €650.00
Neither the statutory nor the private health insurance providers are required to cover the costs for cryo-conservation of semen cells, testicular tissue or ovum.
Costs of optimisation procedures/IGeL
If you are covered by a private healthcare plan, we will gladly discuss a possible cost commitment with you.
Cost cover by private health insurance providers
On 20 February 2004, the German Medical Council published a recommendation for analogous calculations in reproduction medicine according to the German Scale of Medical Fees (GOÄ, deutsche Gebührenordnung für Ärzte).
Based on this recommendation, insured persons with a private healthcare plan incur the following costs for 6 ovum, not counting medication (depending on the prescription of medication and the number of follicles):
- for IVF, per cycle:
- for ICSI, per cycle:
additional laboratory costs approx. €3,196
- costs of medication based on expenses, approx. €1,300 or more, assuming an average stimulation period of 11–13 days
daily dosage of 225 units.
Neither the statutory nor the private health insurance providers are required to cover the costs for cryo-conservation of semen cells, testicular tissue, pre-nucleus stages or fertilised ovum.
Costs of optimisation procedures
Costs of optimisation procedures If you are covered by a private healthcare plan, we will gladly discuss a possible cost commitment with you.
You will be given detailed information handouts and price lists for the individual, additional services before the start of treatment.
Call us for an appointment: (+49) 0721 - 82 46 700