Pregnancy and Fertility Treatment Insurance refers to health insurance policies that cover the costs associated with getting pregnant, being pregnant, and giving birth—including assisted reproductive technologies (ART) like IVF, IUI, egg freezing, and related treatments.
🌱 Fertility treatment coverage and maternity benefits are not always standard, and vary widely by provider, country, and policy type.
🧾 Typically Covered.
✅ Pregnancy & Maternity Coverage (Basic to Premium Plans)
Coverage Area
Included Services
🧪 Prenatal Care
Doctor visits, ultrasounds, routine blood work
🏥 Labor & Delivery
Hospital stay, C-section, anesthesia, newborn care
👩⚕️ Postnatal Care
Follow-up appointments, lactation consultants
👶 Newborn Insurance
First few days’ hospital care, tests, vaccinations
🍼 Complications
High-risk pregnancy, gestational diabetes, NICU
🧾 Maternity Medications
Supplements, prescribed treatments
✅ In many countries (like UK, Canada, Australia), public healthcare covers pregnancy. In private or U.S.-based systems, you need maternity riders or private plans.
✅ Fertility Treatment Coverage (Varies by Plan)
Treatment
Typically Covered?
🧬 IVF (In Vitro Fertilization)
❌ Limited or optional rider
💉 IUI (Intrauterine Insemination)
❌ Often excluded
🥶 Egg Freezing / Embryo Freezing
❌ Rarely covered; premium plans only
💊 Fertility Drugs (e.g., Clomid, Gonadotropins)
✔️ Sometimes covered with rider
🧪 Diagnostic Testing
✔️ Blood work, hormone analysis, semen analysis
🧬 Genetic Testing
✔️ For embryo screening or hereditary diseases (advanced plans)
🤝 Donor Sperm/Egg Services
❌ Not standard; offered in specialized packages
🧑🤝🧑 Surrogacy & Adoption Assistance
❌ Almost always excluded unless employer-sponsored
📍 Global Trends.
Country
Fertility Coverage Status
🇺🇸 USA
Fertility coverage growing in employer-sponsored plans (IVF, IUI optional)
🇬🇧 UK
NHS covers limited fertility treatments based on criteria; private insurance varies
🇨🇦 Canada
Public coverage in select provinces; private insurance often lacks IVF
🇦🇺 Australia
Medicare covers some fertility tests; IVF often partially subsidized
🇮🇳 India
Growing demand for fertility plans in urban centers; IVF coverage now available in high-tier policies
🇩🇪 Germany
Insurance often covers up to 50% of IVF for married couples (3 cycles)
🌍 Middle East (UAE, KSA)
Employer plans increasingly include maternity & selective fertility support
🧬 Cost of Fertility Treatments (Without Insurance)
Procedure
Average Global Cost (USD)
IVF (1 cycle)
$10,000 – $20,000
IUI
$300 – $1,000
Egg Freezing
$7,000 – $15,000 + $500/year storage
Fertility Medications
$1,000 – $5,000 per cycle
Donor Egg Cycle
$25,000 – $35,000
Genetic Embryo Screening (PGT-A)
$3,000 – $6,000
💰 Insurance Plan Costs
Type of Plan
Monthly Premium
Fertility Coverage
Basic Health Insurance
$200 – $400
❌ Pregnancy yes, fertility no
Maternity Add-On/Rider
+$50 – $150
✅ Full pregnancy cover, ❌ fertility
Fertility-Specific Plans
$500 – $1,200
✅ IVF, IUI, diagnostics, partial drugs
Employer-Sponsored Plan (U.S.)
Included in job benefits
Varies: up to $25K/year coverage
International Private Insurance
$300 – $800
✅ Maternity, partial IVF in premium tiers
📝 Some insurers impose waiting periods (6–24 months) for pregnancy/fertility benefits.
🔐 Key Terms to Know
Term
Meaning
Waiting Period
Time you must wait before maternity or IVF is covered
Cycle Limit
Max number of IVF or IUI rounds per year or lifetime
Lifetime Cap
Total monetary cap on fertility benefits (e.g., $20,000)
Network Clinics
You may need to use insurer-approved fertility centers
Pre-Authorization
Required approval before treatment starts
🏆 Top Insurance Providers .
Provider
Region
Fertility Benefits
Cigna Global
Worldwide
Maternity yes, fertility in high-tier plans
UnitedHealthcare
USA
IVF/IUI covered in many employer plans
Bupa Global
UK/EU/Asia
Private maternity + fertility diagnostics
AXA PPP Healthcare
Europe, UAE
Maternity and elective fertility optional
Froedtert & FertilityIQ Alliance
USA
Special IVF coverage for employers
Niva Bupa / HDFC ERGO
India
IVF add-ons now included in premium plans
Allianz Care
Global expat plans
Maternity + some ARTs in platinum plans
Oscar Health
USA
Tech-driven plans with fertility teleconsults
🤝 Employer-Sponsored Fertility Benefits.
Big employers now cover fertility for recruitment & retention. Benefits often include:
