You deserve a path to parenthood.
Today, we can't offer everyone a Gaia Plan — partly due to eligibility criteria dictated by our insurance partners, partly because we need to manage our own financial risk to stay in the business of helping our Members — but we can promise we work every day to expand access.
The best way to find out if you’re eligible is to apply
When you apply to become a Gaia Member, we ask you a number of questions. We consider all your information holistically to get a full picture. Because we use a number of factors, it’s hard to clearly lay out who we’ll be able to give a plan to. And in fact, our members each have a unique story to tell.
There are some clear cut-offs
We cannot guarantee you’ll get a Gaia Plan if you meet all the criteria below. But if you don’t, we will sadly not be able to offer you a plan today.
Body mass index (BMI)
If you're planning on carrying out the pregnancy, some clinics require your body mass index to be below 35. Gaia can only offer you a Gaia Plan if your BMI is within the range specified by your clinic.
Find out your BMI
Credit score & affordability
Before we give you your loan, we need to make sure that you won’t be put into a tough financial position if and when you come to repay your cycle costs.
When you complete your credit profile, we will run a "soft" credit check and affordability check to give you your personalised interest rate and make sure the plan is fair and affordable for you. A "hard" check will only be run when you sign your Membership Agreement.
However, when you sign your Membership Agreement, our member support team will let you know that we will run a hard credit check. A hard check can impact your credit score and means that other credit lenders will be able to see that a company has run a check.
