IVF
Insurance

Only pay for your IVF treatment when you have a child

new mum looking down at baby collage style

Everyone who wants a family should have the chance to try.

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“Gaia has delivered on everything they promised and then some. They take away the financial burden of IVF, plus their team is so supportive. I truly believe they are at the start of something incredibly special.”

Hollie, Gaia Member

“Gaia designed a personalised, totally transparent Plan for me with no hidden costs.”

Shermain, Gaia Member

“We felt like we’d hit a brick wall when we didn't qualify for NHS funding. One email to Gaia later, and we’re on our second round.”

Lyndsay, Gaia Member

“Gaia has delivered on everything they promised and then some. They take away the financial burden of IVF,  plus their team are so supportive.
I truly believe they are at the start of something incredibly special.”

Hollie, Gaia Member

“Gaia designed a personalised, totally transparent Plan for me with no hidden costs.”

Shermain, Gaia Member

“We felt like we’d hit a brick wall when we didn't qualify for NHS funding. One email to Gaia later, and we’re on our second round.”

Lyndsay, Gaia Member
How it works

Plan

Start the IVF process prepared. We use data from over 1 million previous treatments to help you understand your chances and how many rounds you may need.

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Pay

Pay your premium upfront. Gaia covers your full treatment costs. Pay nothing more if you don't have a child. If you do, pay back treatment costs in monthly instalments.

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Protect

Medication and essential treatments are covered by your Gaia Plan. Plus, get complimentary counselling sessions, access to an embryologist and a dedicated support team.

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This is IVF
you can afford.

Personal Plans
Paid over time

An example Gaia Plan
Based on total treatment costs of £5,650,
one fresh round of IVF at Manchester Fertility

Premium to start a round
£1,932
fresh round
£923
frozen embryo transfer
If you have a child pay back
from 
£471
 /month
If you don't
£0
pay nothing more
Costs can be paid back at 0% interest for 12 months.

Full treatment payment only if you have a child. 0% interest for 12 months.

As with all insurance products, Gaia plans are subject to eligibility criteria.

All Plans include:
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Medication
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All essential treatments
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12 counselling sessions
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Access to an embryologist
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Access to a support line
“No one should face trying to make a family under huge financial pressure.”

Gaia founder Nader AlSalim created Gaia to make IVF more accessible for people. After a frustrating and expensive experience with IVF, he wanted to help others build families without financial unknowns.

Gaia in our Members’ words

Protective
Supportive
Understanding
Clear
Upfront
Life-Changing
Reliable
Open

“We looked at loans, remortgaging the house, asking friends and family but then we found Gaia!"

Katie, Gaia Member

“Joining Gaia has helped ease the burden of IVF. The team is friendly and supportive."

Ogechi, Gaia Member

“By paying our first premium to Gaia we still have over 70% of our savings in our IVF pot and our first round of treatment is underway. It's a huge relief and a weight off our shoulders. Gaia's not too good to be true – it's real, it's remarkable and everyone who wants the financial burden of IVF taken away should explore it.”

Lizzy, Gaia Member

“I had no idea where to begin when I decided to start IVF. With Gaia, I felt more in control over my journey and my money.”

Sophie, Gaia Member

“We looked at loans, remortgaging the house, asking friends and family but then we found Gaia!"

Katie, Gaia Member

“Joining Gaia has helped ease the burden of IVF. The team is friendly and supportive."

Ogechi, Gaia Member

“Gaia's not too good to be true – it's real, it's remarkable and everyone who wants the financial burden of IVF taken away should explore it.”

Lizzy, Gaia Member

“I had no idea where to begin when I decided to start IVF. With Gaia, I felt more in control over my journey and my money.”

Sophie, Gaia Member

Fertility first steps

Now might not be the right time for IVF. But if a future family is on your mind, explore your options with a discounted fertility check at one of our partner clinics.

You’re bound to have questions. These are the common ones:

How does the plan work?
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We build you your very own personalised insurance plan using data from over 1 million previous treatments. After you complete your Gaia profile, we predict your chances of success across up to 6 IVF rounds. We then create you a Gaia Plan, insuring you for the number of rounds where you have at least a 82% chance of success.

Our personalised insurance plan means that if you do not have a child within your insured rounds, you would only pay a premium per round. If you are successful - and only once you have given birth to your child - you would pay back the cost of the IVF rounds you completed, in monthly instalments.

We also fix the cost of your IVF treatment for you and pay your clinic upfront, so you don’t need to worry about a single payment throughout your cycle. We’ve got you covered.

How do you make money?
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We make money by taking a portion of the premium that you pay at the start of your IVF rounds. The rest is pooled together so that we can afford to pay for our members who are not successful after their insured rounds.

What types of IVF do you cover?
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We cover Standard IVF, IVF+ICSI, Sperm Donor IVF, Egg Donor IVF or any combination of these four treatments.

How do you define a ‘round’ of IVF?
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A round is any treatment that ends in a transfer. For example, it could be a fresh round, a frozen embryo transfer, or even a freeze-all cycle with a frozen embryo transfer at a later date.

What is a ‘succcessful’ round of IVF?
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When you have your child.

Speak to someone directly, we're always happy to talk