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Does Private Health Insurance Cover IVF Treatment

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Does Private Health Insurance Cover IVF Treatment? – Turkey ranks high in the world with more than 40 thousand trials per year in IVF treatment, which is one of the methods frequently recommended by physicians for couples who want a child. Due to the fact that it is a very expensive treatment, couples turn to health insurance. For this reason, many people think, “Does Private Health Insurance cover IVF treatment?” comes the question.

Before answering this question, it is necessary to know the treatment process in order to understand why couples generally prefer private health insurance.

Does Private Health Insurance Cover IVF Treatment

Does Private Health Insurance Cover IVF Treatment

Turkey ranks high in the world with more than 40 thousand trials per year in IVF treatment, which is one of the methods frequently recommended by physicians for couples who want a child. Due to the fact that it is a very expensive treatment, couples turn to health insurance. For this reason, many people think, “Does Private Health Insurance cover IVF treatment?” comes the question.

Before answering this question, it is necessary to know the treatment process in order to understand why couples generally prefer private health insurance.

What is IVF Treatment?
In vitro fertilization treatment is recommended for couples who want a child and do not have a natural pregnancy process. In the treatment method called “in vitro fertilization” (IVF) in the medical world, eggs are taken from the woman and sperm cells from the man. The egg is fertilized in the laboratory environment by sperm and brought into the embryo form.

After the embryo form is created, the IVF stages proceed as follows:

Embryos are placed in the mother’s womb.
Supportive methods such as drug therapy can be applied.
After the 12-day period, a pregnancy test is done.
This whole process is called experimentation. Since it is usually a painless and painless application, more than one attempt can be made.

In addition, treatment methods may vary depending on the age of the expectant mother, egg quality, sperm quality, number of eggs or some special variables. For this reason, different drug treatments can be applied in processes such as embryo transfer or fertilization of sperm cells with eggs.

For all these reasons, IVF is an expensive treatment method in terms of its prices. Couples have two different ways in front of them regarding IVF treatment fees. The first of these is SGK and the second is private health insurance options.

Does Insurance Cover IVF?
It is possible for a couple who are insured through Social Security Insurance (SGK) to have IVF treatment through public or, more commonly, state hospitals. Some of the conditions sought to receive in vitro fertilization service in a state hospital are listed as follows:

At least one of the mother and father candidates is required to be insured for 900 premium days or 5 years with a rough account. The insurance period can be accessed by looking at the service breakdown via e-Government.
If the father candidate has not completed the 900 premium days, he also has the right to complete it with military debt. Thus, 900 premium days can be filled and an application can be made.
Within 3 years, the treatment methods applied to get pregnant must be exhausted.
There should be no chronic diseases that may prevent pregnancy.
SSI during the treatment process; 30% on the first try, 25% on the second try and 20% on the third try.

Since IVF treatment is a special process in which different medical procedures are applied that lasts for days, very long queues are expected in public hospitals. Another method in IVF treatment is private health insurance.

Does Private Health Insurance Cover IVF Treatment?
In general, inpatient and outpatient treatment coverages are among the coverages of private health insurances. Inpatient treatment refers to processes such as surgery or chemotherapy. Outpatient treatment, on the other hand, covers issues such as examination or prescription costs. For this reason, it is not possible to cover IVF treatment with standard private health insurances.

With the help of additional guarantees, IVF treatment can be added to private health insurances. For this, it is requested to receive an offer from the insurance company and to create a request to add it to private health insurance as additional coverage. In addition, in vitro fertilization treatment can be applied with complementary health insurance, which is another type of insurance.

Does Complementary Health Insurance Cover IVF Treatment?
TSS, or supplementary health insurance, is a form of government-sponsored private insurance. Complementary health insurance can be used for treatments that are not covered by SSI or exceed the wage limits.

In order to benefit from complementary health insurance in IVF treatment, at least one of the couples must be covered by SSI and both must have a complementary health insurance policy. Apart from these conditions, the policy must include “in vitro fertilization coverage” or a statement that the policy covers assisted reproductive treatments.

In such a case, the IVF treatment process can be done under the complementary health insurance. However, it is recommended that policyholders contact the company they have insured from in order to obtain precise information.

Finally, couples who want to have IVF treatment through private health insurance or supplementary health insurance can access the best offers via Sigortam.net. They can choose a policy with guarantees suitable for their budget and needs among the offers and start IVF treatment.

What is IVF Treatment?
In vitro fertilization treatment is recommended for couples who want a child and do not have a natural pregnancy process. In the treatment method called “in vitro fertilization” (IVF) in the medical world, eggs are taken from the woman and sperm cells from the man. The egg is fertilized in the laboratory environment by sperm and brought into the embryo form.

 

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