If a pregnancy fails to occur naturally, the first step is a detailed diagnostic examination to determine possible causes. The necessary medical examinations are fully covered by both statutory and private health insurance.
If you have statutory health insurance
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If infertility treatment is planned afterwards, the statutory health insurance will contribute to the treatment costs under certain conditions.
The following conditions must be met:
- Both partners are at least 25 years old.
- The woman must not be older than 39 years.
- The man must not be older than 49 years.
- The infertility must have been medically diagnosed.
- The prospect of success of the fertility treatment must be attested.
- Only the eggs and sperm of this couple may be used and medical or psychosocial counseling must have taken place prior to treatment.
If these conditions are met, the statutory health insurance grants subsidies for the following treatments:
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- 8 inseminations without hormonal stimulation of the woman
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- 3 inseminations with hormonal stimulation of the woman
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- 3 attempts of in vitro fertilization (IVF)
- 3 attempts of intracytoplasmic sperm injection (ICSI) or
- 2 attempts of intratubal gamete transfer (GIFT)
Please note that treatment cannot begin until the treatment and cost plan has been submitted to and approved by the health insurance company.
If you are privately insured
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Since in the private health insurance in principle individual contracts are concluded, the scope of benefits may vary. Therefore, clarify the possibilities of cost coverage early with your health insurance.
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