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Medical Insurance with IVF and Infertility Treatment Coverage
Most standard policies in Spain exclude assisted reproductive technologies or impose strict limits. We offer a solution that truly covers In Vitro Fertilization and ICSI, ensuring a full cycle of support at the country’s top private clinics.
Result
Access to advanced infertility treatments, including IVF and fertility preservation, bypassing public health system waiting lists.
Price
Premium programs start from 90€ per month, providing the highest level of expense reimbursement.
Timeline
The policy is issued within 24 hours, though it is vital to account for established waiting periods before starting procedures.
In 2026 requirements for policies with reproductive coverage have become more transparent yet stricter regarding medical underwriting. For insurance to genuinely cover IVF, one must choose full-reimbursement plans, as basic insurance networks often have a limited selection of reproductive specialists.
- A specific clause in the contract explicitly including assisted reproductive technologies.
- A minimum of 12 or 24 months of prior insurance history with the company.
- No pre-existing infertility diagnosis at the time of signing the health questionnaire.
- Coverage for medication therapy, which constitutes a significant portion of the protocol cost.
Tools to solve this problem
DKV Top Health
DKV Top Health
DKV Top Health — premium insurance with worldwide expense reimbursement
- Unique coverage of up to 100% of expenses for assisted reproduction methods.
- Complete freedom to choose any clinic worldwide for your procedures.
- Included coverage for high-cost embryonic genetic screening.
Agent's opinion The biggest mistake is taking out insurance once the protocol has already been scheduled. In 2026 insurance providers strictly enforce waiting periods, so you must plan your policy purchase at least one year in advance of your intended consultation to guarantee full financial backing.