IVF or ICSI treatment

Reimbursement HollandZorg healthcare insurance 2021

  1. What is an IVF or ICSI treatment?
  2. A referral is required for IVF and ICS treatments
  3. Reimbursement for IVF and ICS treatment in 2021
  4. Statutory personal contribution
  5. Excess
  6. Who may provide this type of care?

Please note: the information provided on this page is a summary of the reimbursement applicable. You will only be able to derive rights from the HollandZorg Conditions of Insurance (pdf).

1. What is an IVF of ICSI treatment?

An IVF treatment is a method that makes it possible for a woman to become pregnant when this is not possible naturally. IVF is the abbreviation for in vitro fertilisation. An IVF treatment will consist of:

  1. a hormone treatment to stimulate the maturation of egg cells in the woman's body;
  2. a follicular puncture, whereby ripe egg cells are removed from the body of the woman;
  3. the fertilisation of egg cells and growing embryos in the laboratory;
  4. the re-placement of one or two embryos in the neck of the woman's womb.

An ICSI treatment is a special form of IVF treatment. ICSI stands for intracytoplasmic sperm injection. An ICSI treatment involves an additional action in the laboratory. This will involve the insertion of a selected  sperm cell directly into the egg cell. In an IVF treatment, a sperm cell has to penetrate an egg cell itself.

2. Referral required for IVF and ICSI treatment

You will require a referral from a general practitioner or a medical specialist for an IVF or ICSI treatment.

3. Reimbursement for IVF and ICSI treatment in 2021

Under the HollandZorg public healthcare insurance, you qualify for the reimbursement of the costs for the first, second and third IVF attempt or ICSI treatment and the corresponding medication (in case of medical indication).


Public Healthcare Insurance                                       Reimbursement 
HollandZorg public healthcare insurance the first three attempts: 100% in case of medical indication


An IVF attempt will only be regarded an attempt when a follicular puncture is successful. Only attempts that are subsequently abandoned count towards the number of attempts. An IVF attempt following an ongoing pregnancy will count as a new, first attempt. This will also apply if the pregnancy has ended prematurely. In this respect, an ICSI treatment is identical to an IVF attempt.


When is an ongoing pregnancy the case?
Where an IVF attempt or ICSI treatment is concerned, an ongoing pregnancy can be defined as:

  • a pregnancy of at least 10 weeks, calculated from the time at which a follicular  puncture is a success.
  • a pregnancy of at least nine weeks and three days, if one or more frozen, stored embryos have been re-placed. The length of an ongoing pregnancy is calculated from the time when more or more frozen stored embryos are implanted.
  • a spontaneous pregnancy of 12 weeks after the date of the last menstruation.

What will not be reimbursed?
You will not qualify for the reimbursement of:

  • the first and second IVF attempt, if you are younger than 38 and one or more embryos are re-placed.
  • an IVF attempt or ICSI treatment, if you are 43 or older. Did you start the IVF attempt before you reached the age of 43? In this situation, you will qualify for reimbursement for the completion of this attempt: If you started the IVF attempt no later than 31 December 2012 and if you were 43 or old at this time, you will also qualify for reimbursement for the completion of the IVF attempt in question.

4. Statutory personal contribution

You will not pay any statutory personal contribution for an IVF or ICSI treatment.

5. Policy excess

The costs of an IVF or ICSI treatment will count towards your compulsory policy excess and any voluntary policy excess.

6. Who may provide this type of care?

You may undergo an IVF or ICSI treatment at a hospital with the proper license. For this treatment you will need a referral from a general practitioner or a medical specialist. Use our Care Guide to find a hospital near you. Have you decided to go to a care provider with whom we have not made any agreements? If so, the rates set out in the Rate List for Non-Contracted Care will apply. If the rates charged by the non-contracted care provider are higher than our maximum rates, the difference will be for your account.


For more information, contact customer services on +31(0)570 687 123. Our expert employees will be pleased to help you.


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