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With our article, we give you an overview of the area of cost coverage by private and statutory health insurance. At the end of the article you will find our P4B check. We would like to offer you comprehensive support for your path to child happiness.

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Cost coverage: Is artificial insemination paid for by the health insurance?

Since 1997, 319,119 children have been born through out-of-body fertilisation, according to the IVF register. The cost of IVF varies and depending on the number of attempts, the total cost can be high. Total costs can quickly reach 20,000 € after several IVF cycles.

There are differences between statutory and private health insurance companies in terms of cost coverage. In Germany, some federal states offer to support couples with involuntary childlessness and a way to save costs. Treatments permitted in Germany that are carried out abroad can be covered by German health insurance funds if they are in accordance with the German Embryo Protection Act.

In principle, it is possible to have the costs of artificial insemination covered. The costs can be covered proportionally, but also completely by the health insurance. However, this is only possible under certain conditions. In addition, financial support from the federal and state governments is also possible.

The costs of the examinations to find the cause of infertility are normally covered by the health insurance funds. In the context of fertility treatment, the costs of medication and hormone therapy are covered if certain conditions are met.

The benefits differ between statutory and private health insurance. If the conditions of the health insurance companies are not met, the respective patient is a self-payer. The conditions of the insurance companies are tightly knit and therefore cost coverage is not possible for all affected persons.