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Table 2 Reimbursement Policies in Selected Countries

From: The market for reproductive tourism: an analysis with special reference to Greece

Country Insurance Coverage
Austria Approximately two thirds of costs covered.
Australia Medicare covers almost all costs, the difference “out-of-pocket” costs. Must be paid by patient. Additional funds possible through EMSN (Extended Medicare Safety Net).
Belgium Patient pays 5–10%.
In initial treatments, only SET covered.
Czech Republic Up to 4 cycles, age limit for female is 47 years.
Denmark Up to 3 cycles. Free fertility treatment only at a public clinic, to have the first child of a couple. If you want more children you have to pay the full price for treatment in a private practice. Also, the woman cannot be more than 40 years.
France Some limitations in egg and sperm donation apply, otherwise complete coverage of 4 attempts.
Germany 50% coverage. Reimbursement granted only to married couples and up to the age of 40 years (female age). Private insurance regulations vary.
Italy Coverage only for treatment in public centers.
Differences between regions apply.
Israel Full coverage until the birth of two children.
Korea up to 3 cycles to married couples below 44 years and depending on the family income.
Spain Reimbursement only for treatment in public centers. Egg and sperm donation not covered.
UK Several criteria must be met for NHS funding of up to 3 cycles, such as: Female age may be up to 39 years; female must have a regular BMI. Further criteria are years and reasons for infertility, number of previous cycles and whether the patient has other children. The “postcode lottery” means that a woman may be eligible for treatment in any clinic of the country. If she refuses treatment, she is dropped out for lifetime.
USA Couples must be ready to undergo treatment as soon as 10 weeks upon approval.
Regulations vary.
14 states provide partial coverage and some 5 states provide full coverage.
  1. Source: Published data on the websites of Public Health Departments of respective countries