What does health insurance cover – and what not?
The cost question is one of the first that patients ask us – and rightly so. Fertility treatments can be expensive. Here is a clear overview.
GKV – statutory insurance
The good news: for married couples, the health insurance covers – under certain conditions – 50% of the costs for up to 3 IVF or ICSI attempts.
Requirements
- Married couple
- Woman aged 25 to 39
- Man aged 25 to 49
- Medical indication
- Cost approval before the start of treatment
Not covered
- Social freezing
- Treatment for solo mothers and female couples (unfortunately)
- Donor sperm treatment
PKV – private insurance
Privately insured patients often have better chances of cost coverage – but: a medical necessity must exist and the affected partner must be privately insured (causation principle). Recommendation: always obtain cost approval first!
Berlin state funding
From 2021, the State of Berlin provided additional funding for fertility treatment. Since 2026, the funding programme has no longer been offered (as of October 2026).
Our promise
We discuss all costs openly and transparently BEFORE the start of treatment. No hidden costs, no unpleasant surprises.