Statutory Health Insurance Patients

Costs for Statutory Health Insurance Patients

Insemination during an unstimulated cycle (including tablet-based stimulated if necessary) has a cost of between €60.00 and €120.00 (depending on the required medication).

Insemination using an unstimulated cycle  costs, depending on the required medication, between €150.00 and €500.00. The costs can be notably higher in individual cases if higher levels of hormonal stimulation are required or stimulation is required over a longer period of time.

In normal cases, (conventional) IVF patients can expect costs of around €1,400.

In normal cases, (conventional) ICSI patients can expect costs of approx. €1,700. The listed prices correspond to patients with a 50% insurance deductible for the costs of each cycle.

Additional services, which are not covered:

  • HALO sperm test (approx. €253)
  • Cryopreservation of fertilised egg cells (approx. €450)
  • Storage costs for 6 months (€150)
  • Extended culture phase (maximum €300)
  • Laser assisted hatching (approx. €200)
  • Acupuncture (approx. €93)

Cryo-cycles with the aim of transferring previously frozen fertilised egg cells (approx. €800 to €1,100) plus costs for medication of approx. €100 to €500. The treatment with donor sperm is always a self-paying service (for costs, see self-payer plus sperm bank).

What price can you expect for each cycle?

Normally, diagnostics (exceptions) and therapy (exceptions) are free of charge for statutory health insurance patients if artificial insemination is not being carried out. This includes hormonal stimulation as preparation for sexual intercourse at home (optimal time for sexual intercourse) or diagnostic methods such as laparoscopy.

Artificial Insemination

Since 1st January 2004 (healthcare reform), there are binding regulations for statutory health insurance patients relating to the reimbursement of costs for artificial insemination. The basic requirement is the certification of the treatment centre by the health authorities of the respective federal state.
If artificial insemination is planned (insemination, IVF, ICSI), then an application for cost coverage must be presented to the health insurance provider. The health insurance providers cover up to 50% of the cost for up to 8 cycles of insemination without stimulation (with clomiphene if necessary) and up to 3 cycles of insemination with hormonal stimulation (FSH injections) or 3 IVF or ICSI cycles.

The requirements are:

  • The couple must be married.
  • The women must be at least 25 years old and maximum 39 years old.
  • The husband can be no older than 49 years old.

If any one of these requirements is not met, then no application for cost reimbursement can be presented to the health insurance provider.

“In accordance with current tax case law, fertility treatment for single women and same-sex couples WITHOUT medical indications is not considered a necessary medical treatment and the full VAT will be applied.”