IVF or 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.

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.

Reimbursement for IVF and ICSI treatment

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 more than one 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.

Statutory personal contribution

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

Policy excess

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

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.

Please note:

The information on this page is a brief outline of the reimbursements. No rights can be derived from this page. You can only derive rights from our insurance conditions 2024.

Your health insurance

In My HollandZorg you will find all information about your health insurance policy. 

Maximum rates for a non-contracted care provider

Have you chosen a healthcare provider with whom we have no contract? Then, we will reimburse according to our maximum rates for 2024. If the rate invoiced by the non-contracted care provider is higher than our maximum rates, you will have to pay the difference yourself. You will be able to find contracted care providers with our Care finder.

Reimbursements, conditions and regulations 2023