Gaia Insurance eligibility

Gaia Insurance Plans help make IVF more accessible, for more people. 

While we want to help build as many families as we can, there are some criteria that need to be met to be eligible for Gaia Insurance. 

Predicted success rate 

In order for us to insure your IVF treatment, you must have at least an 82% predicted chance of having a child across the number of IVF rounds you’d be insured for. This is to make sure your Gaia Insurance Plan is fair and affordable for you. 

We calculate this prediction based on the information that you provide in your Profile Questionnaire. We then compare your information to data from over one million previous IVF treatments over the past 30 years. 

We are not doctors, but statisticians – we use the power of data to make predictions on how likely you are to have a child. We do this to help prepare you for your fertility journey ahead.


We cannot insure those carrying embryos who have a BMI (Body Mass Index) of 35 or above. Our BMI criteria is a compulsory requirement from insurance underwriters. 

Credit score 

To finalise your Insurance Plan, you must pass a credit check. You (or your partner) need to have a credit score of 570 or higher, according to TranUnion’s credit scoring system. This helps us make sure that your Gaia Plan is fair and affordable for you. 

Word of advice

We recommend that you try not to check your credit score independently, as even personally checking your credit score can negatively impact your rating. 

We only need to check your credit score once during your Gaia Membership.

One last thing: what Gaia Insurance covers

We exist to ensure that you never have to take out your credit card at your clinic once you start your IVF treatment. We take care of the finances, so that you can take care of you.

That’s why Gaia Insurance Plans cover all essential and necessary treatments for each IVF round. 

This means that for a fresh IVF round, we can cover you for:

  • ICSI, egg donor IVF and sperm donor IVF
  • medication for up to 12 weeks of pregnancy
  • all monitoring blood tests and scans during your stimulation phase
  • egg collection
  • sedation
  • sperm collection
  • fertilisation
  • blastocyst culture
  • transfer
  • embryo freezing and one year of storage of any additional embryos

Gaia Insurance Plans do not cover any “add-on” treatments that are not considered “green” – or proven to positively affect your IVF round – by HFEA’s traffic light system

We’re here to help 

Got a question that this page didn’t answer? Send us a message at, or schedule an introductory call with our member support team.

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