Assisted Reproductive Services Cover
For when you need a little help getting pregnant.

Yes, private health insurance can cover IVF, but only for the in-hospital parts of treatment. HIF’s eligible hospital policies include assisted reproductive technology benefits such as theatre and hospital costs when you’re admitted for IVF. Out-of-hospital IVF expenses like consultations, tests, and medications aren’t covered. 

Assisted Reproductive Technology (ART) is an umbrella term that covers a wide range of fertility treatments and procedures designed to help people conceive. ART includes several different methods, such as IVF, ICSI, ovulation induction that involves hospital admission, and other related services. 

In Vitro Fertilisation (IVF) is one specific type of ART. It involves combining an egg and sperm outside the body before transferring the embryo back into the uterus. 

In short: 

• ART = the broader category of fertility treatments. 

• IVF = one of the treatments within ART. 

This aligns with how HIF groups and covers services under the Assisted Reproductive Services clinical category. 

Yes. To access assisted reproductive technology (ART) services such as IVF or ICSI through HIF, you must hold a Hospital Cover that includes Assisted Reproductive Services. ART is not included on all levels of cover, so you’ll need to be on a Gold or Gold-tier equivalent product that lists Assisted Reproductive Services as an included clinical category.

If your current cover does not include this category, you would need to upgrade your Hospital Cover and serve any relevant waiting periods before claiming ART-related hospital services. 

Confirm your waiting period, check your excess, review your hospital cover inclusions, and ask your specialist whether any part of your treatment requires hospital admission.