We all know that the average age of parenthood has been significantly delayed for years. This has made it more difficult to become “pregnant”, and has led to an increase in the use of assisted reproduction systems. At the same time, once we have had the children we wanted, there are, and are often used, means to avoid having more. We will see how the family health insurance assistance in these areas.
Health insurance and its additional services
The truth is that 90% of people see health insurance as a means to speed up medical treatment and diagnosis. We recently published an article in how women's health insurance helps, in particular.
Even though this is true, year after year insurance companies are implementing improvements in medical policies that:
- Introduce new safeguards and diagnostic toolsDa Vinci robot, bariatric surgery, green laser... are just a few recent examples.
- They are complemented by added services health insurance
The latter would include these family planning systems, The aim is either to increase the size of the family or, on the contrary, to “contain” its growth.
Assisted reproduction and family planning in the health insurance system
Health insurance companies are trying to adapt to what the market demands and, as we pointed out at the beginning, customers want to include in their policies facilities when it comes to finding these services.
We are talking about two types of services:
- Assisted reproduction techniquesArtificial insemination or in vitro fertilisation.
- Family planning mechanismstubal ligation, vasectomy, IUD implantation...
Insurers act in two ways:
- Without providing coverage as such for the cost of these services or surgeries, they do facilitate access to them in subsidised centres, through discounts and “franchised prices”.
- They do provide coverage.
Health insurance covering assisted reproduction
The insurance companies that offer coverage for assisted reproduction cover the treatments in full or almost in full. However, it must be taken into account that these insurance companies demand multiple requirements to provide this assisted reproduction coverage:
- Both partners must be insured (at present, unfortunately, insurers do not provide this service for a single person).
- Have health insurance for a minimum of X months to start treatment: depends on the company, varies between 24 and 48 months.
- They set an age limit for starting treatment
- Some companies even require no offspring to offer treatment.
As we discussed, these requirements are imposed by health insurance companies that do provide coverage for treatment. In order to offer discounted prices, they are more flexible, and it will be up to the staff of these centres to indicate whether the mother and/or father meet the health requirements to start the treatment.
Health insurance at PIB Group Iberia
If you would like to know this information in more detail or find out about a specific insurance company that you have heard provides cover for these issues, we will help you to obtain a policy that, as well as covering these treatments, will also attend to any medical issues you may need.
We work with more than 20 insurance companies, so we have the solution you need. Contact and compare.
