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I. Diagnostics and therapy planning

The costs for the first visit and the diagnostics up to the therapy decision usually are paid for by the German health insurance funds.

II. Drug-based treatment of infertility – hormone therapy

The costs for hormone therapies are usually paid for by the health insurance.

Hormone therapy aims to stimulate oocyte maturation and/or trigger ovulation. This increases the chances of fertilisation during subsequent natural intercourse. Follicular growth can be stimulated using clomifene, letrozol or gonadotrophins (FSH, hMG). We will then either wait for the natural ovulation or trigger it by administering hCG (human chorionic gonadotrophin).

III. Reproductive therapies: Insemination, IVF, ICSI

In order to make sure no financial or burocratic hurdles stand in the way of your wish to have a child, we would be pleased to advise you and help with any problems you may have with your health insurance. You can also pay by instalments. Please do not hesitate to contact us for help. Billing hotline: 06221-89-300-38

Sprechzeiten der Rechnungshotline

German statutory health insurance

The statutory health insurance funds will bear 50% of the costs.

The number of treatment attempts is limited to:

  • 8 inseminations without stimulation (but if necessary with clomifene or letrozole)

  • 3 insemination cycles with gonadotropin stimulation

  • 3 IVF cycles

  • 3 ICSI cycles

Conditions for the statutory health insurance paying 50 % of the costs :

  • The couple must be married.

  • The woman must be at least 25 and no more than 39 years old.

  • The man must be at least 25 and no more than 49 years old.

Further details:

  • Before starting therapy, the therapy plan must be approved by the insurance companies of both partners.

  • If one of the three attempts which are usually paid for by the health insurance fund leads to a clinically proven pregnancy, the couple is entitled to a further therapy attempt.

  • If one of the partners has been sterilised, the couple is not entitled to have their artificial fertilisation treatments paid for by the health insurance fund.

  • The cryopreservation of sperm cells, impregnated egg cells or embryos is not paid for by the statutory health insurance funds. The same applies to services such as assisted hatching and blastocyst transfer.

Service Medical treatment woman** Drugs* Anaesthesia Medical treatment man**
Natural-cycle insemination 70 – 80 0 – 50 27
Stimulated insemination 80 – 90 200 – 400 27
IVF therapy 600 750 – 1100 90 27
ICSI therapy 800 750 – 1100 90 27

* approx. € figures; drug costs are averages and may vary widely
** incl. statutory infectious serology for male and female partner

Private health insurance

The private health insurance companies have very diverse contractual terms. If one partner is covered by the statutory insurance and the other is privately insured, the two companies have to talk to each other. In any event, it should be clarified before the treatment which of the artificial fertilisation measures, if any, will be paid for/reimbursed. Please do not hesitate to contact us if you have any problems/queries.