What is IVF Insurance?

We are the world’s first IVF insurance. Backed by Lloyd’s of London and FCA regulated, our plans allow you to access your IVF treatment more affordably and insure you in case of an unsuccessful journey.

What is a plan?

For each round of IVF, Gaia covers the treatment price, essential treatment and medication. A round can either be a fresh round of IVF or a frozen embryo transfer.

In an example plan, the insured are covered for 4 rounds of IVF treatment at their clinic with essential treatments and medication included. That could include 1 fresh round and 3 frozen rounds, 2 fresh rounds and 2 frozen rounds or any other combination. Here is the total cost breakdown per round using the following key:

Insurance premium to start
Pay treatment cost back if you have a child within 4 rounds
Pay nothing if you don't have a child after 4 rounds
Fresh Round

In this example fresh round the premium you pay to start your treatment is £2,120. The IVF treatment cost is £6,105 which includes the treatment price, all essential treatments and medication. The treatment cost is only paid if you have a child.

£2,120
Insurance Premium
£6,105
Fixed treatment cost
=
£4,100
IVF treament
+
£305
Essential treatments
+
£1,700
Medication
Frozen Round

In this example frozen round the premium to pay to start your treatment is £845. The IVF treatment cost £2,435 and includes the treatment price, all essential treatments and medication. Similarly to a fresh round, the treatment cost is only paid if you have a child.

£845
Insurance Premium
£2,435
Fixed treatment cost
=
£1,550
IVF treatment
+
£85
Essential treatments
+
£800
Medication
* Premiums are personalised to each patient, the figures shown above are for representative purposes

How does it work?

The premiums that you pay Gaia at the start of each round, are pooled together so that we can pay for our members’ treatment who are not successful after their insured rounds.

How does Gaia make money?

We take a small fraction of the premiums that we collect from our members to make sure that we can continue to support IVF patients now and in the future on their fertility journeys. If you have any further questions on how IVF insurance works, feel free to book a call with one of our team here.

GEt YOUR GAIA PLAN