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IVF and Fertility Health Insurance in Hong Kong

The Hong Kong Maternity Insurance plans offered by CCW Global Insurance Brokers will provide a wide range of comprehensive protection against a range of high-cost risks associated with conceiving and delivering a child. One of these risks is the issue of potential fertility issues which impact an estimated 15 per cent of all couple trying to have a baby.

CCW Global can provide high quality Hong Kong health insurance plans which include coverage for IVF and Fertility treatments anywhere in the world.

IVF and Fertility Insurance Coverage

The costs associated with IVF and Fertility treatments can often mean that many couples experiencing a problem conceiving because of a fertility issue will despair of ever having a child. With the global average cost of a single IVF treatment cycle coming in at between US$10,000 to US$15,000, the costs associated with trying to conceive a child through assisted reproduction are almost as high as the costs of delivering the baby!

Adding to this problem is the fact that assisted reproduction is not guaranteed to be successful, leading to many additional rounds of fertility assistance which will require further payment for the procedure.

However, a number of Hong Kong and International health insurance companies have recognized that there is a need for comprehensive protection with regards to IVF and Fertility insurance coverage and are starting to include coverage benefits in relation to these issues in their high-quality health insurance offerings.

IVF and Fertility Insurance Protection

Generally, if a Hong Kong medical insurance policy includes IVF and Fertility Insurance coverage the plan will cover the following treatments:

  • Prescribed drug Treatment and Laboratory Work
  • Intracytoplasmatic sperm injection (ICSI)
    • IVF and ICSI may only be applied alternatively
  • Zygote intrafallopian transfer (ZIFT)
  • Gamete intrafallopian transfer (GIFT)
  • Invitro fertilization (IVF)
  • Artificial insemination (AI)

Please note that this is a guide to the types of fertility and assisted reproduction treatments normally covered by Hong Kong and international health insurance companies.

IVF and Fertility Insurance Limits

IVF and Fertility coverage will normally fall under a plan’s Maternity Insurance Benefit and will usually be accompanied by a sub-limit specific to treatment the policyholder receives in relation to IVF and Fertility. However, it is important to note that, in some cases, the IVF and Fertility Insurance benefit may be provided through the outpatient portion of a health insurance policy; you should ensure that you are fully aware of how this benefit operates prior to purchasing a plan.

The limits on IVF and Fertility coverage will usually range from US$2,600 to US$17,000 and will normally be for the entire lifetime of the policy. This means that once the limit has been reached no more fertility or IVF treatment can be claimed for under the policy.

Please click Health Insurance Limits to learn more about coverage limits on your policy.

IVF and Fertility Insurance Waiting Periods

In many cases the IVF and Fertility Coverage benefit of a Hong Kong Health Insurance plan will be attached to a waiting period.

The waiting periods associated with this policy benefit will normally range from 18 months to 24 months in duration. As such, it is important that you have held your Hong Kong health insurance plan for at least that length of time before seeking IVF or Fertility treatment if you would like the costs covered under your policy.

Please click Hong Kong Health Insurance Waiting Periods for more information.

Free IVF and Fertility Insurance Quotes in Hong Kong

If you would like to receive a free quotation comparing a range of high quality health insurance plans offering IVF and Fertility insurance coverage in Hong Kong please complete the short form at the top of this page.

Once you have submitted your quotation request an expert CCW insurance broker will contact you to further discuss your coverage requirements and will provide you with a detailed overview of all the policies which best meet your specific needs.

You can learn more about our quotation process by clicking CCW Health Insurance Quotes.

Alternatively, if you would like more information about CCW Global, or if you would like to learn about any of the other Hong Kong insurance plans we work with, you can speak to a Hong Kong insurance expert by Contacting Us Today!

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