Advanced
Health Tips

IVF and Fertility Insurance Plans; Coverage for Conception Problems

One of the biggest growing concerns with relation to maternity and pregnancy topics is with regards to the sometime awkward subject of Fertility.

If you’ve read the Compare Clinic Guide To Maternity Insurance, you will have developed an understanding of how various key aspects of maternity insurance plans operate; like waiting periods and coverage areas. You will have also learned that under more comprehensive maternity health insurance policies it is possible to receive coverage for IVF and Fertility treatments.

However, what we didn’t investigate in our last article was how to obtain IVF and Fertility insurance coverage, and what levels of protection are associated with plans that offer a Fertility coverage benefit. While the subject of Maternity health insurance may be tough, adding IVF and Fertility benefits to the discussion can make the subject even more complicated.

To help you develop a decent understanding of the IVF and Fertility insurance benefits you are able to obtain around the wider international insurance market we will be looking at the IVF and Fertility Insurance options available from two international health insurance companies which provide some of the best coverage in the industry.

At this point we’d like to remind our readers that some of the terms we will be mentioning have been covered in our Introduction to Maternity Insurance, so it may be helpful to read that first. Otherwise, we can jump straight into looking at the protection which is typically offered under a maternity health insurance plan offering an IVF and Fertility coverage benefit.

IVF and Fertility Insurance Coverage

A Maternity Health Insurance plan which offers an IVF and Fertility coverage benefit will protect the policyholder against the costs associated with IVF and Fertility medical treatments.

While the exact coverage available will vary depending on the health insurance company you choose to purchase your policy from, these plans will generally offer protection against the costs of:

Prescribed drug Treatment, and IVF or Fertility Laboratory Work

  1. Artificial Insemination (AI)
  2. Gamete intrafallopian transfer (GIFT)
  3. Zygote intrafallopian transfer (ZIFT)
  4. Invitro fertilization (IVF)
  5. Intracytoplasmatic sperm injection (ICSI)

Furthermore there are options which will provide coverage against the costs of investigating the cause of the fertility problem such as a hysterosalpingogram, laparoscopy or hysteroscopy.

On the above coverage, it is going to be InVitro Fertilization (IVF) and IntraCytoplasmatic Sperm Injection (ICSI) which most people are going to recognize, leading to higher demand for these two procedures in relation to Fertility treatment. Due to this, many insurers offering an IVF and Fertility insurance benefit will mandate that IVF and ICSI may only be applied alternatively; first one and then the other. However, it is important to check with your insurance company as to the method in which this type of coverage is implemented under your IVF insurance policy.

Despite this, the range of treatments normally covered under an IVF and Fertility insurance plan are usually extremely comprehensive and diverse; ensuring that you are able to access a range of options to help overcome an issue in this area.

Following this, it is then important to understand the levels of financial protection available under typical IVF and Fertility insurance coverage benefits and how, as a consumer, you are able to obtain coverage of this type. To help examine these areas we will look at two of the best IVF and Fertility Insurance options in the global heath industry.

DKV Globality IVF and Fertility Insurance

DKV Globality, a leading Luxembourg Headquartered insurance company, is able to offer some of the best levels of IVF and Fertility insurance coverage currently available anywhere in the world under the company’s Plus and Top policies.

Both the Plus and Top plans from DKV Globality will include coverage for Maternity Care, Complications of Pregnancy, Child Birth, and (most importantly for this article) Infertility Treatment.

With regards to the Infertility Treatment coverage on offer through DKV’s Plus and Top policies, the benefit is provided through these plans’ outpatient protection and will protect the policyholder against a portion of the overall costs of fertility treatment.

DKV Globality Plus Coverage

As mentioned above, coverage for IVF and Fertility treatments under the DKV Globality Plus plan is available through the policy’s outpatient protection. In simple terms, outpatient medical treatment is any medical treatment which does not require an overnight stay in a medical facility.

The Plus coverage is the lower of the two Fertility Insurance options available from DKV and will cover up to 50 per cent of the IVF and Fertility treatment costs to a maximum limit of US$ 2,600 per insured couple, per lifetime.

This means that once the limit of US$ 2,600 has been reached under this plan, no further protection against the costs of IVF and Fertility treatment will be available via the Plus policy and any additional treatment received by the policyholders would then need to be covered out-of-pocket.

DKV Globality Top Coverage

The next option with DKV Globality is through the company’s Top policy. Again, the IVF and Fertility benefit will be offered through the policy’s outpatient coverage.

The more comprehensive (and consequently, more expensive) of the two DKV Globality options, the Top plan will cover up to 50 per cent of the IVF and Fertility treatment costs to a maximum limit of US$ 13,000 per insured couple, per lifetime.

As with the Plus option, the DKV Globality Top plan implements a lifetime limit on the policyholders, and once that limit is reached no further protection against the costs associated with IVF and Fertility treatment will be available through the health insurance policy.

Important DKV Globality IVF and Fertility Insurance Considerations

There are a number of important considerations which you should be aware of prior to the purchase of either of the IVF or Fertility insurance options from DKV Globality.

For IVF Coverage the Couple must be Insured

The first major consideration is that for both the Plus and Top plans, the IVF and Fertility coverage is limited per couple per policy lifetime. This is important because DKV Globality will only provide IVF and Fertility insurance under these policies if the couple (both partners; i.e. Husband and Wife) must both be insured under the same plan – they must both hold either the Plus or Top plan and it must be the same for both partners.

While simple maternity insurance is available to single women under a DKV Globality policy, the IVF and Fertility benefit of these plans is only available if both the man and woman are both insured through the company.

Age Restrictions and Waiting Limits

In order for the insured couple to receive coverage under a DKV Globality IVF and Fertility insurance plan the woman must be under age 40 and the man must be under age 50 as of the time of treatment; which, in the case of DKV, is defined as the first stimulation day in each treatment cycle or the first cycle day where insemination is being performed without hormone stimulation.

Additionally, coverage under the DKV IVF and Fertility insurance benefits is only available after a 2 year (24 month) waiting period. This means that both partners must have held the plan for at least 2 years before they are able to receive protection against the costs of their fertility treatments under the plan.

As such, it is very important to plan accordingly and, in the event of fertility issues, attempt to start a family before reaching the relevant age limits.

Causes of Infertility

Even if you are able to comply with all the other considerations mandated by DKV Globality in relation to this type of policy, the final area which will impact your ability to receive IVF and Fertility insurance coverage from this company is with regards to the cause of the fertility problem.

Simply put, in order to receive protection against the costs of your IVF and Fertility treatments under a DKV Globality policy offering this benefit the fertility condition must be due to organic causes which can only be overcome with the aid of reproductive help. If the fertility condition is due to non-organic causes then it is likely that coverage will be unavailable, even if the couple meets all the previous requirements.

Allianz Worldwide Care IVF and Fertility Insurance

Allianz Worldwide Care, also known as AWC, is a leading international health insurance company headquartered in Ireland. Allianz is able to offer high quality IVF and Infertility coverage benefits through the purchase of an optional Outpatient Module on the company’s plans.

Allianz structures its policies in a modular fashion; customers must purchase the company’s inpatient treatment coverage, but are then free to add a Maternity Coverage Module, Outpatient Coverage Module, or even a Dental Coverage Module to their inpatient coverage in return for paying an additional premium.

While IVF and Fertility Coverage is offered via Allianz’s outpatient module, only two of the company’s outpatient plans will provide this type of protection; Silver and Gold.

Allianz Worldwide Care Silver Coverage

Customers purchasing the Allianz Silver Outpatient coverage module are entitled to receive US$ 12,700 in outpatient medical care each policy year. They are also entitled to receive US$ 17,000 in coverage for IVF and Fertility treatments per person, per policy lifetime.

However, as can be seen, the yearly coverage limit for outpatient coverage (which IVF and Fertility fall under) is fairly low at only US$12,700 – realistically the cost of a single round of IVF treatments. As such, policyholders should be aware that if they claim for IVF and Fertility care under their Silver plan they may not be eligible to receive protection for any further outpatient treatment (including general doctor’s visits and check-up’s) for the remainder of that policy year.

Allianz Worldwide Care Gold Coverage

Customers purchasing the Allianz Gold Outpatient coverage module are entitled to receive US$ 17,000 in coverage for IVF and Fertility treatments per person, per policy lifetime.

However, unlike the Silver Outpatient module from Allianz, there is no yearly limit in the total amount of outpatient coverage which Gold policyholders are able to receive. This means that the policyholder would be able to receive multiple rounds of IVF and Fertility related treatment in a single year (up to the US$ 17,000 limit) in the knowledge that they will still be covered against the costs associated with any additional outpatient healthcare they may undergo.

Important Allianz IVF and Fertility Insurance Considerations

There are a number of important considerations which you should be aware of prior to the purchase of either of the IVF or Fertility insurance options from Allianz Worldwide Care.

Covering the Maternity Costs

Having Fertility Coverage means that you are trying to have a baby, and in the event of successful fertility treatment a full term pregnancy is the desired outcome. As such, it is important to know how to cover the costs of that pregnancy under the insurance plan providing the IVF and Fertility insurance policy.

While the Gold and Silver outpatient modules from Allianz are available to purchase on an individual basis, meaning that a single woman can receive fertility treatment on her own, the Maternity insurance coverage modules from Allianz are only available to couples where both the man and the woman are insured on the exact same policy.

This means that, in order to cover the costs associated with having a baby (such as pre-natal and post-natal check-ups, in addition to the hospital delivery costs) both partners must hold the same type and combination of coverage modules.

To make this situation even more complicated, Allianz only offers its Maternity insurance coverage modules if the policyholder has already purchased an Outpatient coverage module; which can only be obtained if the individual(s) has already purchased the Allianz Club Inpatient plan.

IVF and Fertility Insurance Waiting Periods

As with DKV Globality, Allianz Worldwide care will also place a waiting period on their IVF and Fertility Insurance coverage benefits. For Allianz, this is 18 months from the start of the plan.

This means that individual’s seeking fertility treatment via an Allianz policy must have possessed their coverage for at least 18 months before being eligible for protection under the plan. IVF and Fertility treatments received prior to the completion of the waiting period cannot be claimed for under the policy.

Coverage for Multiple-Birth Babies

One of the risks of assisted reproduction is that there is a chance that the mother may conceive more than one child (twins, triplets, quintuplets, etc).

Under the Allianz IVF and Fertility insurance coverage options, inpatient coverage for multiple birth babies conceived via assisted reproduction is limited to US$ 42,500 per child, for the first 3 months of life.

This means that if children, which were born after IVF and fertility treatments and you gave birth to more than one infant, will be restricted to a specific coverage limit during the first 3 months of their life; arguably one of the riskiest periods, healthwise, of the child’s entire life if they were born via assisted reproductive services.

What Does it All Mean for IVF and Fertility Insurance Cover?

Hopefully our investigation into two well respected insurance companies’ IVF and Fertility Insurance coverage options has given you a more comprehensive understanding of the coverage available around Asia and the rest of the world.

Even outside of DKV Globality and Allianz Worldwide Care there are a number of options for this kind of health insurance protection. However, due to their size and well-known brands, these two organizations have served as the clearest examples for what is often a very confusing topic; even within the global insurance industry.

At the end of the day this type of health insurance protection exists, but will normally be tied to various caveats, conditions, and other limitations which mean that you will need to be incredibly familiar with the policy in order to make the most out of it.

For more information about IVF and Fertility treatments please visit our comprehensive article database on this subject under health tips.

For more information about IVF, Fertility, or Health Insurance please contact our health insurance partner CCW global at www.ccw-global.com.

Compareclinic 2013

Compare clinic health tips articles does not provide MEDICAL ADVICE. The information on our website is intended for general informational purposes only and does not address individual circumstances. The information on compare clinic website is is not a substitute for professional medical advice, diagnosis or treatment and should not be relied on to make decisions about your personal health. Do NOT ignore professional medical advice in seeking treatment because of something you have read on our website. If you think you may have a medical emergency, immediately call your doctor.