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Mon - Fri | 8 a.m. - 6 p.m. toll-free within Germany 

0800 072 572 587 00
Mon - Fri | 8 a.m. - 8 p.m. toll-free

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Services for infertility treatment

We support couples with an unfulfilled desire to have children by providing a subsidy for the costs of artificial insemination

Unintended childlessness can have various causes. Infertility affects both women and men equally. Often, reduced fertility in both partners can stand in the way of having a child. Therefore, assisted reproduction can be a solution for childless couples when the desire to have a child cannot be fulfilled naturally.

Ein Paar sitzt gemeinsam im Park und ein Mann hält die Hand seiner Partnerin.

Artificial insemination – your benefits

  • We contribute to the costs of artificial insemination – simply submit the treatment plan issued by your doctor to us.
  • We also support you with a subsidy for nutritional counseling or health courses. Your personal SBK consultant will be happy to help you find the right offer.
  • Want to join SBK? Arrange a free consultation now

    To what extent does SBK cover the costs?

    The first point of contact for couples facing unintentional childlessness is usually their general practitioner, who can then refer them to a specialist. However, you are also welcome to contact a specialist directly.

    If you decide to undergo artificial insemination, we will cover up to 50% of the costs, provided certain conditions are met.

    We can contribute to the costs of artificial insemination under the following legally defined conditions:

  • Before starting treatment, please submit the treatment plan from your specialist or birth clinic to us.
  • There must be both a medical necessity and a reasonable chance of success that the selected treatment method could result in a pregnancy.
  • You must be married.
  • You and your spouse must be at least 25 years old.
  • As the woman, you must be under 40, and as the man, under 50 years of age.
  • Only your own egg and sperm cells or those of your spouse may be used.
  • How does artificial insemination work?

    Pregnancy through artificial insemination can be achieved using various treatment methods. The process begins with thorough medical consultation, examination, and diagnosis. During this stage, doctors determine the reasons why pregnancy has not occurred naturally.

    Based on the results of these preliminary examinations, the most suitable method of artificial insemination - with the highest chances of success - is selected.

    In addition to medical causes, emotional and external factors often also affect a couple’s fertility. These may include exhaustion, stress, or an unhealthy lifestyle. In such cases, we’re also here for you - with financial support for nutritional counseling or special health courses, such as relaxation programs.

    We’re happy to support you with additional, individually tailored services. Simply contact your personal SBK consultant. You can find their contact details here.

    How to get artificial insemination:

  • Before starting treatment, you will receive a treatment plan from your medical practice. Please send this to us by post.
  • Once we have approved the treatment plan, the treatment can begin. We will cover 50% of the treatment costs as well as the necessary medication. The medical practice will bill 50% of the costs for the services provided to the SBK-insured spouse directly to us. Simply present your SBK healthcare card at the practice. Your personal contribution amounts to 50% of the total costs, which will be invoiced to you by the treating medical practice.
  • Couples with an unfulfilled desire to have children may also be eligible for government funding in some federal states, which can reduce their out-of-pocket expenses. You can find more detailed information on this at the “Kinderwunsch” information portal of the Federal Ministry for Family Affairs, Senior Citizens, Women and Youth.

    The SBK is there for you

    Do you have any further questions about SBK's services? We are here to help. Simply arrange a callback appointment.

    Helpful links

    Information from the Federal Ministry on infertility (German)

    Information from the Federal Ministry on treatment methods (German)

    0800 072 572 572 50

    Mon - Fri | 8 a.m. - 6 p.m. toll-free within Germany 

    0800 072 572 587 00
    Mon - Fri | 8 a.m. - 8 p.m. toll-free

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