Do you offer IVF coverage

Question: Hi, I am looking at undergoing IVF treatment in NY city. While we live in Australia and have health care here it would not cover the USA. Do you have a cover for IVF in the USA? regards Sheril

We can provide comprehensive international health insurance maternity plans that will offer you IVF and infertility treatment coverage. Plans are available with one of two areas of cover, worldwide or worldwide excluding USA. Plans that provide coverage in the USA will typically be much more expensive than those that don’t because of the high costs of healthcare in the country. Plans that we can provide for you that cover IVF treatment are globally portable and guaranteed renewable for life, this means that you will always have the coverage that you need no matter what happens in the future.

Plans with an infertility IVF treatment benefit will cover you for initial investigations up to the point of diagnosis, investigative procedures to establish the cause of infertility such as laparoscopy or hysteroscopy. IVF cover is provided for up to a maximum of 4 IVF attempts in the policyholder’s lifetime, this will include any IVF treatment that you may have received prior to the start of your plan. Each IVF treatment that you receive while on the plan will be covered up to a maximum of US$ 3,750. It is important to note that there is a waiting period attached to IVF treatment of 18 months from the start of the plan. This means that you are unable to claim for any IVF or infertility related treatment prior to having been on the plan 18 months.

A maternity benefit with IVF coverage will provide maternity coverage for the mother in the event that they are expecting a single child.  If, as a result of the IVF treatment, you are expecting more than one child then each child will be covered up to US$37,500 for the first three months of life, after this limit has been reached you must make an application to the insurance company for continuing coverage.

The plans that we can offer are flexible and fully comprehensive. In many cases these plans will allow you to tailor the coverage to meet your specific needs giving you the peace of mind that you are getting the exact levels of coverage that you deserve. With global portability and guaranteed lifetime renewals, you never have to worry about not having coverage no matter where you are in the world, or what medical conditions you have developed. International health insurance plans always calculate premiums based on the policyholder’s age and geographical area of coverage, never on your claims history, this gives you the assurance that no matter how much medical treatment you receive you will always have the same premium as everyone else in your age group.

For more information about the maternity and IVF products and services that we can offer, or to receive a free quote, please contact one of our expert advisers today.