Company health insurance (bKV) has become an integral part of the corporate world in recent years. More and more employers are using it to promote the health of their employees, build loyalty and increase their attractiveness in the competition for talent. Until now, however, the range of services offered has focused primarily on traditional benefits such as dental care, vision aids and general health budgets. One issue that affects many people but has received little attention to date is reproductive health.
Fertility treatments pose an enormous challenge for many affected individuals. They are emotionally stressful and also involve considerable costs. An IVF cycle can cost several thousand euros, and even freezing eggs is hardly affordable for most people without subsidies. Statutory health insurance funds only cover the costs within very narrow limits: support is only available to married heterosexual couples who fall within certain age limits. There is no coverage for unmarried couples, same-sex couples or single mothers. These regulations reflect neither social reality nor the changing nature of family models.
This is precisely where Fertility+ comes in as an innovative form of supplementary health insurance. The insurance makes reproductive health an integral part of occupational health care and offers companies the opportunity to support their employees where it matters most. Employers can provide a budget of 3,000, 5,000 or 10,000 Euro, which can be used flexibly throughout the entire period of employment. If there is any money left over after a treatment cycle, it can be used for further attempts. This enables continuous and reliable support.
The range of services is deliberately broad. In addition to diagnostics, insemination, IVF and ICSI treatments as well as egg freezing are also covered. In addition, employees can use the funds for cryopreservation, cryocycles or treatments with donor sperm. A unique feature is that the costs for partners are also covered, even if they are not employed by the company. This enables family planning to be considered holistically and in partnership.
This special supplementary health insurance offers employees immediate security. Insurance cover starts from day one, with no waiting periods, no health checks and no exclusions. All employees are included, regardless of marital status, sexual orientation or lifestyle. This means that single mothers and rainbow families benefit just as much as traditional couples.
Companies, in turn, gain a tool that is both family-friendly and inclusive. Financing is provided by the employer through group insurance, which is anonymous, tax-optimised and requires no administrative effort on the part of the HR department. All payment processes and transactions are handled centrally.
For companies, introducing Fertility+ is much more than just providing another benefit. It signals care, supports diversity and inclusion, and positions employers as modern organisations that take social responsibility seriously. Employees feel that their individual lifestyles are respected and supported. This turns a new form of supplementary health insurance into a strategic tool that combines health, family planning and corporate culture.
