Argentina
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No legislation or reimbursement for fertility treatment
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Australia
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Since November 2000, no restriction on lifetime use of IVF treatment.
Only country in the world with unlimited government reimbursement for
infertility treatment. However, to qualify for reimbursement, treatment
must be seen as legally “clinically relevant” to comply with the
Commonwealth Health Insurance Act (1973).
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Austria
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Since January 2000, approximately 70% of IVF treatment including
medication, publicly funded for women aged < 40, men aged <50 with
tubal dysfunction or male infertility.
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Canada
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All IVF procedures are privately funded except in the province of
Ontario, where up to 3 cycles, lifetime, publicly funded for women with
completely occluded fallopian tubes. If live birth is achieved, 3 more
publicly funded cycles available.
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Denmark
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Egg donation forbidden. Publicly funded IVF available through hospitals
but waiting time ≤ 2 years. Private clinics now established, avoiding
long wait for treatment.
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Finland
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60-75% of infertility and IVF treatment costs covered by the National
Pension Institute.
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France
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Public funding for up to 100% of fertility treatment, if done in a public
hospital; up to 6 artificial insemination and 4 IVF treatment cycles. If
live birth achieved, same treatment options available for a further
pregnancy.
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Germany
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Public funding for 14 inseminations, 2 GIFT, and 4 IVF cycles. No
health insurance reimbursement for ICSI. Couples’ criteria for
reimbursement include married or de facto relationship, no previous male
sterilization. Donor insemination not reimbursed.
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India
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Most insurance companies in India will not reimburse for the medical
expenses for treating infertility, however, IVF treatment is much less
expensive in India. This is because doctors charge much less - so that
by international standards, IVF in India is very cost-effective, and quite a
few patients do fly down to India for treatment.
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Southern Ireland
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There are 2 private health insurers in Ireland, neither of which covers
infertility treatment, but do cover several diagnostic tests.
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Israel
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National Health Bill does not provide funding for medication or treatment.
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Italy
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Reimbursement for treatment inconsistent.
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Latvia
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No legislation or public funding for ART.
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The Netherlands
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Public funding for 3 IVF cycles and most other fertility treatments.
Most private insurance companies also pay for 3 IVF cycles but charge
a co-payment. Most medication for infertility publicly funded.
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New Zealand
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Public funding depends on geographic location. In some areas, drugs
are funded and in others, co-payment is required. Waiting lists vary
from 1-3 years.
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Norway
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Egg donation, surrogacy, and embryo research prohibited. Public
funding available for fertility treatment but only in public hospitals.
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Sweden
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Egg and sperm donation prohibited. Public funding available for IVF but
varies from 1-3 cycles, depending on geography. Waiting list, 2 to 8
years. Private clinics compete, reducing wait time.
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United Kingdom
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Reimbursement complicated; in Scotland, up to 3 cycles publicly funded.
Elsewhere, individual health authorities may chose not to provide
coverage.
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United States
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Insurance coverage varies greatly. Some states have mandates for
infertility treatment coverage. Most couples pay out of pocket.
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