Medical Aid Cover for IVF

Discovery's Assisted Reproductive Therapy Benefit gives members on the Executive and Comprehensive plans access to specific assisted reproductive therapy (ART) fertility treatment, such as IVF fertility treatment. The Assisted Reproductive Therapy Benefit provides cover for a defined list of certain fertility medical procedures and treatments up to a specified limit each year, subject to Discovery's rules.

The Assisted Reproductive Therapy (ART) Benefit at a glance:

"The Assisted Reproductive Therapy Benefit gives members on the Executive and Comprehensive plans access to specific assisted reproductive therapy (ART) treatment. The Assisted Reproductive Therapy Benefit provides cover for a defined list of female infertility procedures and treatments up to a Rand limit of R129,000 for each person, each year, subject to specific rules. Cover is up to 75% of the Discovery Health Rate (DHR) when you use an accredited facility in our network."

Note: Egg donor agencies like Nurture are not medical providers, and as such, the egg donor agency fee is not included in Discovery's ART cover.

Treatment covered from the ART Benefit:

"Cover is up to 75% of the agreed Discovery Health Rate up to a limit of R129,000 per year. You will have to pay a co-payment of 25% of the costs for assisted reproductive therapy, any amount in excess of the Discovery Health Rate and any other costs not covered by the benefit. We pay up to two cycles of assisted reproductive therapy (ART), including egg donated cycles, if you are 25 to 39 years old, per year. We pay for one cycle from the age of 40 up to and including 42 years of age, per year. If you are 43 years of age up to and including 50 years of age, we will cover one egg donated IVF cycle per year, including the egg donor matching fee. The cost associated with egg donor agencies is not covered under the benefit."

For more information on Discovery's Assisted Reproductive Therapy Benefit, please visit their website.

*Information taken from Discovery's website as of December 2024. Please contact Discovery directly to confirm whether the information presented above is accurate, up to date, and applicable to your medical scheme.