Costs and Insurance Coverage for IVF, ICSI, and Other Treatments

Cost of Fer­til­i­ty Treat­ment

The cost of fer­til­i­ty treat­ment depends on the cho­sen ther­a­py and indi­vid­ual fac­tors. Below you will find fur­ther infor­ma­tion on the costs for insem­i­na­tion, IVF, and ICSI.

Cost of Insem­i­na­tion (IUI)

The cost of intrauter­ine insem­i­na­tion depends on whether part­ner sperm or donor sperm is used and how many mon­i­tor­ing appoint­ments are required in the respec­tive cycle.

Insem­i­na­tion with part­ner sperm costs approx. €350 to €420. With­out med­ical indi­ca­tion, 19% sales tax applies. Insem­i­na­tion with donor sperm costs approx. €470 to €540 includ­ing applic­a­ble sales tax. In addi­tion, there are the required appoint­ments for cycle mon­i­tor­ing and hor­mone checks. Typ­i­cal­ly, one to three mon­i­tor­ing appoint­ments are required.

Actu­al costs may there­fore vary depend­ing on the indi­vid­ual cycle course.

Cost of IVF (In Vit­ro Fer­til­iza­tion)

The cost of an IVF cycle is approx­i­mate­ly €3,200 to €3,600 per treat­ment cycle. With­out med­ical indi­ca­tion, 19% sales tax applies. In addi­tion, there are costs for anes­the­sia, exter­nal lab­o­ra­to­ry tests, and nec­es­sary med­ica­tions. Med­ica­tion costs vary depend­ing on age and exist­ing ovar­i­an reserve and range from approx­i­mate­ly €400 to €1,500. Addi­tion­al treat­ment options include blas­to­cyst cul­ture, Embryo­Glue, and ZyMōt cham­ber. Your physi­cian will dis­cuss these addi­tion­al options with you indi­vid­u­al­ly if desired. The suc­cess prospects of IVF treat­ment depend heav­i­ly on indi­vid­ual fac­tors such as age and exist­ing ovar­i­an reserve. There­fore, mul­ti­ple treat­ment cycles may be required.

Cost of ICSI Treat­ment

If IVF is not promis­ing or sperm qual­i­ty is lim­it­ed, ICSI treat­ment can be per­formed.

In ICSI, a sin­gle sperm is select­ed under the micro­scope and inject­ed direct­ly into the egg. This pro­ce­dure is more com­plex than IVF.

The cost is approx­i­mate­ly €6,200 to €6,900 per cycle. With­out med­ical indi­ca­tion, 19% sales tax applies. In addi­tion, there are the above-men­tioned costs for anes­the­sia, exter­nal lab­o­ra­to­ry tests, and med­ica­tions.

The final costs depend, among oth­er fac­tors, on the num­ber of eggs retrieved.

Cov­er­age by Statu­to­ry Health Insur­ance (GKV)

Our fer­til­i­ty cen­ter is a pri­vate cen­ter. Patients with statu­to­ry health insur­ance are treat­ed on a self-pay basis; direct billing through statu­to­ry health insur­ance is not pos­si­ble.

Regard­less, statu­to­ry health insur­ance funds con­tribute to the costs of fer­til­i­ty treat­ment in appro­pri­ate­ly licensed fer­til­i­ty cen­ters under cer­tain con­di­tions. As a rule, they cov­er 50% of pre­vi­ous­ly approved treat­ment costs.

A statu­to­ry enti­tle­ment gen­er­al­ly does not exist:

• if the cou­ple is not mar­ried
• if the woman or man has not yet reached the age of 25
• for women who have reached the age of 40 or men who have reached the age of 50
• for treat­ment with donor sperm
• after ster­il­iza­tion; excep­tions require approval from the health insur­ance fund
• after the 9th unsuc­cess­ful insem­i­na­tion in a nat­ur­al cycle
• after the 4th unsuc­cess­ful hor­mon­al­ly stim­u­lat­ed insem­i­na­tion
• after the 4th unsuc­cess­ful IVF or ICSI treat­ment cycle
  

Indi­vid­ual health insur­ance funds offer vol­un­tary addi­tion­al ben­e­fits. Please clar­i­fy the require­ments and scope of pos­si­ble reim­burse­ment direct­ly with your health insur­ance fund before start­ing treat­ment.

Cov­er­age by Pri­vate Health Insur­ance (PKV)

Whether and to what extent pri­vate health insur­ance cov­ers the costs depends on the indi­vid­ual insur­ance plan and the med­ical cir­cum­stances of the indi­vid­ual case. Please have cost cov­er­age con­firmed in writ­ing by your insur­ance com­pa­ny before start­ing treat­ment. Reim­burse­ment may be con­sid­ered in par­tic­u­lar if fer­til­i­ty treat­ment is med­ical­ly nec­es­sary due to a fer­til­i­ty dis­or­der of the insured per­son and there is a suf­fi­cient prospect of suc­cess. Depend­ing on the cause of the fer­til­i­ty dis­or­der, treat­ment steps for the part­ner may also be reim­bursable. Pos­si­ble age lim­its, the num­ber of reim­bursable treat­ment cycles, mar­i­tal sta­tus require­ments, deductibles, and reim­burse­ment of addi­tion­al treat­ment mea­sures depend on the respec­tive plan and the insur­ance com­pa­ny’s review. We sup­port you in apply­ing for cost cov­er­age with an indi­vid­u­al­ized treat­ment and cost plan. If need­ed, we also pre­pare a sup­ple­men­tary med­ical state­ment.