Private health insurance for IVF and assisted reproductive services

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A guide to health insurance for IVF

Updated March 07, 2024
Written by Joshua Malin
Reviewed by Steven Spicer

What are assisted reproductive services?

Assisted reproductive services are medical treatments that help people conceive a child when other methods of conception aren’t working. People use these services for a variety of reasons, ranging from infertility to an inability to carry a child through pregnancy or to avoid passing on genetic issues.

It’s not just couples or women who rely on assisted reproductive services, with procedures available to people of different genders, sexualities, ages, and relationship statuses. Here are some common reproductive services:2

  • In-vitro fertilisation (IVF). A procedure where sperm is introduced to collected eggs outside the body, and any successful embryos are implanted to the uterus.
  • Intracytoplasmic sperm injection (ICSI). A specialised version of IVF typically used for male infertility.
  • Intrauterine insemination (IUI). A procedure where sperm that has been washed and concentrated is placed directly in the uterus.
  • Gamete intrafallopian transfer (GIFT). A treatment where collected eggs and sperm are placed directly in the fallopian tubes.
  • Ovulation induction. Treatment to assist women who aren’t ovulating correctly.
  • Preimplantation genetic testing. Those concerned about passing on genetic problems to children can assess the genetic makeup of embryos before they’re implanted for conception.

Private health insurance for assisted reproductive services

Is IVF covered by health insurance?

Day surgery

Medications and outpatient services

Are there waiting periods to use assisted reproductive services through private health?

Is it worth getting private health insurance for IVF?

More information

Does Medicare cover IVF?

What is a treatment cycle?

Meet our health insurance expert, Steven Spicer

Steven Spicer
Executive General Manager – Health, Life & Energy

As the Executive General Manager of Health, Life and Energy, Steven Spicer is a strong believer in the benefits of private cover and knows just how valuable the peace of mind that comes with cover can be. He is passionate about demystifying the health insurance industry and advocates for the benefits of comparison when it comes to saving money on your premiums.

UNSW Sydney. Assisted reproductive technology in Australia and New Zealand 2021. Released September 2023 Assisted reproductive services – MBS items. Accessed February 2024.