What does treatment cost?
A transparent cost overview – all figures are guide values and may vary depending on the individual course of treatment.
GKV
Requirements
- Married couple
- Woman: 25 to 39 years
- Man: 25 to 49 years
- Documented medical indication
- Obtain cost approval before treatment begins
- Not possible: single mothers, female couples, unmarried individuals → costs = self-pay
| Treatment | Patient's share | Note |
|---|---|---|
| Insemination (unstimulated) | approx. €60 – 120 | + medication if applicable |
| Insemination (stimulated) | approx. €150 – 500 | depending on protocol |
| IVF (conventional) | approx. €1,600 + RI Witness (separate) | 50 % co-payment |
| ICSI (conventional) | approx. €1,900 + RI Witness (separate) | 50 % co-payment |
| Frozen embryo transfer | approx. €1,000 – 1,500 + RI Witness (separate) | + medication approx. €100 – 500 |
All prices are guide prices. We will clarify the exact costs – including whether VAT applies – individually in a personal consultation.
Cost coverage through your employer: Carrot
Besides statutory and private health insurance, there is another way to finance your fertility treatment – through your employer. Our practice is listed as a partner clinic with Carrot, an internationally active provider of family-building benefits that more and more companies offer their employees as an additional benefit.
If your employer – or your partner's employer – offers Carrot as a benefit, parts of your treatment or the full costs may be covered through it. This applies regardless of whether you are treated with us as a statutory, privately insured or self-pay patient.
How to proceed: Ask your HR department whether Carrot is included in your benefits.
PKV
| Treatment | Cost | Medication |
|---|---|---|
| Insemination | approx. €400 | approx. €50 – 500 |
| IVF (conventional) | approx. €2,000 – 3,500 | approx. €1,000 – 1,500 |
| Mini IVF / Soft IVF | approx. €1,500 – 2,500 | approx. €300 – 400 |
| ICSI (conventional) | approx. €3,500 – 6,500 | approx. €1,000 – 1,500 |
| Mini ICSI / Soft ICSI | approx. €2,500 – 4,000 | approx. €300 – 400 |
All prices are guide prices. We will clarify the exact costs – including whether VAT applies – individually in a personal consultation.
Cost coverage through your employer: Carrot
Besides statutory and private health insurance, there is another way to finance your fertility treatment – through your employer. Our practice is listed as a partner clinic with Carrot, an internationally active provider of family-building benefits that more and more companies offer their employees as an additional benefit.
If your employer – or your partner's employer – offers Carrot as a benefit, parts of your treatment or the full costs may be covered through it. This applies regardless of whether you are treated with us as a statutory, privately insured or self-pay patient.
How to proceed: Ask your HR department whether Carrot is included in your benefits.
Self-pay
| Treatment | Cost | Medication |
|---|---|---|
| Insemination | approx. €400 | approx. €50 – 500 |
| IVF (conventional) | approx. €2,000 – 3,500 | approx. €1,000 – 1,500 |
| Mini IVF / Soft IVF | approx. €1,500 – 2,500 | approx. €300 – 400 |
| ICSI (conventional) | approx. €3,500 – 6,500 | approx. €1,000 – 1,500 |
| Mini ICSI / Soft ICSI | approx. €2,500 – 4,000 | approx. €300 – 400 |
All prices are guide prices. We will clarify the exact costs – including whether VAT applies – individually in a personal consultation.
Treatment with donor sperm
Always a self-pay service. Costs as per the PKV table, plus the sperm bank's charges (Berliner Samenbank, European Sperm Bank, Cryos).
Cost coverage through your employer: Carrot
Besides statutory and private health insurance, there is another way to finance your fertility treatment – through your employer. Our practice is listed as a partner clinic with Carrot, an internationally active provider of family-building benefits that more and more companies offer their employees as an additional benefit.
If your employer – or your partner's employer – offers Carrot as a benefit, parts of your treatment or the full costs may be covered through it. This applies regardless of whether you are treated with us as a statutory, privately insured or self-pay patient.
How to proceed: Ask your HR department whether Carrot is included in your benefits.
SOF
Elective social freezing
A personal decision, no medical indication. Ideally up to the age of 35.
Subject to VATMedical Freezing
Medical indication (e.g. before chemotherapy). Classified as a medical curative service. Reimbursement by the private insurer possible.
VAT-exempt| Treatment | Cost |
|---|---|
| Stimulation cycle (treatment) | approx. €1,800 – 3,800 |
| Medication per cycle | approx. €800 – 1,500 |
| Egg retrieval | included in cycle price |
| Vitrification (freezing) | included in cycle price |
| Storage per year | approx. €360 – 430 |
All prices are guide prices. We will clarify the exact costs – including whether VAT applies – individually in a personal consultation.
Cost coverage through your employer: Carrot
Besides statutory and private health insurance, there is another way to finance your fertility treatment – through your employer. Our practice is listed as a partner clinic with Carrot, an internationally active provider of family-building benefits that more and more companies offer their employees as an additional benefit.
If your employer – or your partner's employer – offers Carrot as a benefit, parts of your treatment or the full costs may be covered through it. This applies regardless of whether you are treated with us as a statutory, privately insured or self-pay patient.
How to proceed: Ask your HR department whether Carrot is included in your benefits.
Additional services
| Treatment | Cost |
|---|---|
| HALO sperm test | approx. €253 |
| Cryopreservation eggs / embryos | approx. €495 – 987 |
| Storage 6 months (standard) | approx. €180 |
| Storage 6 months (social freezing) | approx. €200 |
| Extended embryo culture | max. approx. €350 |
| Frozen embryo transfer | approx. €1,000 – 1,500 |
| RI Witness™ (per cycle) | approx. €50 – 130 |
| Donor sperm (sperm bank) | depending on provider |
All prices are guide prices. We will clarify the exact costs – including whether VAT applies – individually in a personal consultation.
Cost coverage through your employer: Carrot
Besides statutory and private health insurance, there is another way to finance your fertility treatment – through your employer. Our practice is listed as a partner clinic with Carrot, an internationally active provider of family-building benefits that more and more companies offer their employees as an additional benefit.
If your employer – or your partner's employer – offers Carrot as a benefit, parts of your treatment or the full costs may be covered through it. This applies regardless of whether you are treated with us as a statutory, privately insured or self-pay patient.
How to proceed: Ask your HR department whether Carrot is included in your benefits.
Statutory health insurance
Statutory health insurance largely covers the initial consultation and diagnostics. As a rule, it does not pay for the AMH test or the semen analysis.
Medication costs vary depending on dose and product. Donor sperm is charged separately by the sperm bank.
Under § 27a SGB V, statutory health insurance covers 50% of the costs if all requirements are met:
- You are married.
- Only your own eggs and sperm are used.
- The woman is 25 to 39 years old, the man 25 to 49.
- There is a medical indication.
- A medical consultation on medical and psychosocial questions has taken place, by a doctor who does not carry out the treatment themselves.
- The insurer has approved the treatment plan before the start.
| Treatment | Number of attempts with 50% coverage |
|---|---|
| IVF or ICSI | up to 3 |
| Insemination without hormone stimulation | up to 8 |
| Insemination with hormone stimulation | up to 3 |
Many insurers voluntarily pay more, such as a higher share or additional attempts. Ask your insurer about these optional benefits (Satzungsleistungen). If a child is born within these attempts, the entitlement applies again. Miscarriages and ectopic pregnancies do not count as births.
Not covered are, for example, treatments with donor sperm and for unmarried couples. By contrast, since 2021 the insurer pays in most cases for freezing eggs or sperm before a therapy that damages germ cells, such as chemotherapy.
Private health insurance and Beihilfe
Private insurers pay according to their plan, often up to 100%. Whether marriage is a requirement depends on the plan.
As a rule, the insurer of the person with the medical cause pays (causation principle). If the partners are insured differently, this can become complicated. So obtain written cost approval before you start. We issue a treatment plan for this.
Civil servants receive Beihilfe (a state allowance towards medical costs) according to their employer's rules. These differ between the federal government and the states.
Subsidies
State of Berlin: Berlin's funding programme for fertility treatment is currently not offered (as of October 2026, Service Berlin). As soon as it is relaunched, we will inform you here.
Federal government: the federal initiative “Hilfe und Unterstützung bei ungewollter Kinderlosigkeit” (help and support for involuntary childlessness) only pays in federal states that contribute themselves. As long as Berlin has no programme of its own, there is no federal subsidy for Berlin couples either.
Employers: some employers contribute to the costs of fertility treatment. Ask your HR department.
Tax
Self-paid costs of medically prescribed fertility treatment can be claimed as extraordinary expenses (außergewöhnliche Belastung) in the German income tax return. According to the case law of the Federal Fiscal Court (Bundesfinanzhof), this also applies to unmarried couples (judgment of 10 May 2007, III R 47/05) and to female couples (judgment of 5 October 2017, VI R 47/15) if the treatment complies with the medical professional codes. A prerequisite is a medical indication for the treatment.
Only the part exceeding the reasonable personal burden (zumutbare Eigenbelastung) is deductible. Keep all invoices. For your individual case, please ask your tax adviser.
Frequently asked questions
Does health insurance pay if we are not married?
Statutory health insurance does not: under § 27a SGB V, marriage is a requirement. Private insurers usually do not require it and pay according to their plan. If there is a medical indication, you can claim non-reimbursed costs as extraordinary expenses in your tax return.
What does insurance pay for female couples and single women?
Statutory health insurance does not cover treatment with donor sperm. Female couples and single women therefore bear the costs themselves. If there is a medical indication, the costs may be tax-deductible. We are happy to advise you on the process and costs of treatment with donor sperm.
Do I need to get the costs approved in advance?
Yes. Patients with statutory insurance submit the treatment plan to their insurer before starting; otherwise coverage is lost. Privately insured patients obtain written cost approval. You receive the treatment plan or the application for cost coverage from us after the pre-treatment consultation.
Is there a state subsidy in Berlin?
Not at present. Berlin's funding programme is currently not offered, so there is no federal subsidy either. We will update this page as soon as that changes (as of October 2026).
Your next step
In the first consultation we clarify your treatment path and draw up the treatment plan for your insurer. Book appointment online or come to our next .
Further reading: IVF in Berlin · Social freezing · Glossary
This page does not replace legal or tax advice.