{"id":4703,"date":"2022-11-24T14:20:46","date_gmt":"2022-11-24T13:20:46","guid":{"rendered":"https:\/\/kalimedica.com\/unkategorisiert\/what-costs-are-covered-by-insurance-in-switzerland-in-the-event-of-an-unfulfilled-desire-to-have-children\/"},"modified":"2022-11-24T14:20:46","modified_gmt":"2022-11-24T13:20:46","slug":"what-costs-are-covered-by-insurance-in-switzerland-in-the-event-of-an-unfulfilled-desire-to-have-children","status":"publish","type":"post","link":"https:\/\/kalimedica.com\/en\/desire-to-have-children\/what-costs-are-covered-by-insurance-in-switzerland-in-the-event-of-an-unfulfilled-desire-to-have-children\/","title":{"rendered":"What costs are covered by insurance in Switzerland in the event of an unfulfilled desire to have children?"},"content":{"rendered":"\n<style>.kb-table-of-content-nav.kb-table-of-content-id_c17cb1-bb .kb-table-of-content-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id_c17cb1-bb .kb-table-of-contents-title-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id_c17cb1-bb .kb-table-of-contents-title{font-weight:regular;font-style:normal;}.kb-table-of-content-nav.kb-table-of-content-id_c17cb1-bb .kb-table-of-content-wrap .kb-table-of-content-list{font-weight:regular;font-style:normal;margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-right:0px;margin-bottom:0px;margin-left:0px;}<\/style>\n\n\n<h2 class=\"wp-block-heading\">Introduction<\/h2>\n\n\n\n<p>In Switzerland, health insurance companies only cover a small proportion of the costs of having a child \u2013 in general, a distinction must be made here between coverage by basic insurance and coverage by supplementary insurance. In addition, in some cases, fertility treatment can be tax deductible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Basic insurance<\/strong><\/h2>\n\n\n\n<p>The following costs are normally covered by basic insurance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The costs for diagnostic clarification of the causes of an unfulfilled desire to have a child; however, after the age of 40, coverage may be refused<\/li>\n\n\n\n<li>Female hormone treatment (for up to one year, i.e. 6-12 cycles).<\/li>\n\n\n\n<li>The cost of intrauterine insemination (IUI), but only three insemination attempts per pregnancy and only if no sperm donor is needed (i.e. only so-called homologous insemination), some insurance companies only pay up to the completed 40th year of the woman\u2019s life.<\/li>\n<\/ul>\n\n\n\n<p>Not covered by basic insurance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The treatment costs of artificial insemination by IVF or ICSI \u2013 these range from CHF 4,000 to CHF 9,000 per cycle for IVF treatment and even between CHF 8,000 and CHF 10,000 per cycle for IVF treatment due to the additional effort involved.<\/li>\n\n\n\n<li>The costs of cryopreservation \u2013 which in Switzerland range between CHF 200 and CHF 1,000 per year<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Supplementary insurance<\/strong><\/h2>\n\n\n\n<p>There is currently (November 2022) only one supplementary insurance in Switzerland that covers the costs of fertility treatment with IVF or ICSI \u2013 this is the <a href=\"https:\/\/www.sanitas.com\/de\/privatkunden\/versicherungen\/zusatzversicherungen\/kinderwunsch.html\">Kinderwunsch supplementary insurance from Sanitas<\/a>. However, with this insurance product there is a significant waiting period (24 months) during which no costs of infertility treatment are covered, and only part of the costs are covered up to a maximum (e.g. 75% of the costs up to a maximum of CHF 12,000).<\/p>\n\n\n\n<p><strong>Simple calculation example:<\/strong><\/p>\n\n\n\n<p>Assuming a woman takes out supplementary child insurance with Sanitas at the age of 25 and cancels it at 35, she will pay premiums of around CHF 3,400 based on the Sanitas insurance tariff over her insurance period.<\/p>\n\n\n\n<p>Assuming that she actually undergoes IVF treatment twice during the insurance period at a cost of CHF 6,000 each time, she still pays 25% of the total treatment costs of CHF 12,000 herself \u2013 i.e. CHF 4,000 \u2013 and the supplementary insurance covers CHF 8,000.<\/p>\n\n\n\n<p>Thus, in this example, the insurance results in a net saving of CHF 4,600 (= CHF 8,000 \u2013 CHF 3,400) compared to the self-paid treatment.<\/p>\n\n\n\n<p><strong>However, as with any insurance product, caution is advised here:<\/strong><\/p>\n\n\n\n<p>If it is already known that there are problems with fertility or IVF or ICSI treatment is already planned, the insurance application will most likely be rejected \u2013 it is in the nature of an insurance product that risks already known at the time of conclusion are not covered.<\/p>\n\n\n\n<p>In addition, as mentioned at the beginning, there is a waiting period of 24 months until the start of treatment, otherwise the costs of the treatment will not be covered \u2013 thus it is necessary to take out this insurance product a few years before trying to realize the desire to have a child, in order not to reduce the probability of fulfillment of the desire to have a child by delaying the treatment.<\/p>\n\n\n\n<p>In this respect, this supplementary insurance product is primarily suitable for younger women who want to insure themselves against an unfulfilled desire to have children, but do not yet know whether they will need fertility treatment.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"201\" height=\"300\" src=\"https:\/\/kalimeda.com\/wp-content\/uploads\/2022\/12\/Fert_Insur_pexels-mikhail-nilov-7735702-201x300.jpg\" alt=\"\" class=\"wp-image-2287\" srcset=\"https:\/\/kalimedica.com\/wp-content\/uploads\/2022\/12\/Fert_Insur_pexels-mikhail-nilov-7735702-201x300.jpg 201w, https:\/\/kalimedica.com\/wp-content\/uploads\/2022\/12\/Fert_Insur_pexels-mikhail-nilov-7735702-684x1024.jpg 684w, https:\/\/kalimedica.com\/wp-content\/uploads\/2022\/12\/Fert_Insur_pexels-mikhail-nilov-7735702-768x1149.jpg 768w, https:\/\/kalimedica.com\/wp-content\/uploads\/2022\/12\/Fert_Insur_pexels-mikhail-nilov-7735702-1027x1536.jpg 1027w, https:\/\/kalimedica.com\/wp-content\/uploads\/2022\/12\/Fert_Insur_pexels-mikhail-nilov-7735702-1369x2048.jpg 1369w, https:\/\/kalimedica.com\/wp-content\/uploads\/2022\/12\/Fert_Insur_pexels-mikhail-nilov-7735702-scaled.jpg 1711w\" sizes=\"auto, (max-width: 201px) 100vw, 201px\"><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Deduction from tax<\/strong><\/h2>\n\n\n\n<p>In some cantons, the costs of IVF or ICSI treatment as well as the costs of cryopreservation can be deducted from taxes as medical expenses \u2013 for example, there are decisions of the cantons of Basel-Land, Basel-Stadt and St. Gallen that the costs of IVF treatment are considered medical expenses for tax purposes and are accordingly deductible from taxable income \u2013 in general, there is the opinion that the<\/p>\n\n\n\n<p>Since the deductibility of fertility treatment is not regulated uniformly across the cantons, it makes sense to obtain information on this from the cantonal tax authorities in advance.<\/p>\n\n\n\n<p>Deducting it from income can at least reduce the tax burden in the year of the fertility treatment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Situation in other European countries<\/strong><\/h2>\n\n\n\n<p>Other European countries are more generous with regard to the assumption of costs for infertility treatment than Switzerland \u2013 a brief overview is provided here for those who are interested.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Germany<\/strong><\/h3>\n\n\n\n<p>People with statutory health insurance in Germany have a legal right to have their health insurance company contribute to fertility treatment. All that is required is to submit a treatment plan to the health insurance company prior to the start of treatment, which includes the planned treatment and the costs incurred.<\/p>\n\n\n\n<p>In general, public health insurance covers 50% of the treatment and medication costs for a total of 8 cycles of IUI without prior hormonal stimulation, plus 3 cycles of IUI with hormonal stimulation, plus 3 cycles of IVF\/ICSI treatment. However, this only applies to married couples and only if they use their own eggs and sperm, and if both spouses are at least 25 years old, the woman is at most 40 years old and the man is at most 50 years old.<\/p>\n\n\n\n<p>For privately insured persons in Germany, the requirements for cost coverage or cost sharing are very different; in this case, the insurance company should be consulted in any case.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Austria<\/strong><\/h3>\n\n\n\n<p>Inseminations (IUI treatments) are not covered by health insurance in Austria. The so-called IVF fund, however, covers 70% of the costs for four IVF or ICSI treatments per pregnancy under certain conditions. The main requirements for cost coverage are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The indication for the reasons of infertility must be secured and one of the following reasons must be present:\n<ul class=\"wp-block-list\">\n<li>Either in women: tubal infertility (fallopian tubes blocked, removed or non-functioning on both sides), polycystic ovary syndrome (PCO syndrome) or endometriosis.<\/li>\n\n\n\n<li>And\/or in the male: limited fertility of the male.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>The woman must not have exceeded 40 years of age and the man must not have exceeded 50 years of age<\/li>\n\n\n\n<li>Austrian or EU\/EEA citizens or Swiss citizens, otherwise unlimited Austrian residence title<\/li>\n\n\n\n<li>Couple in marriage or cohabitation (notarial deed required)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Other European countries<\/strong><\/h3>\n\n\n\n<p>The following table provides an overview of the average cost coverage for IUI and IVF\/ICSI treatments in the DACH region, as well as the most populous countries in Europe. This disregards the exact criteria for cost coverage, which in some cases differ greatly between countries.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/cdn.filestackcontent.com\/5Z6bU4QfTYezPYlbYX65\" alt=\"\"><\/figure>\n\n\n\n<p><em>Sources: <\/em><a href=\"https:\/\/fertilityeurope.eu\/wp-content\/uploads\/2021\/12\/FERTIL-Atlas_EN-2021-v10.pdf\">\n  <em>Fertility Europe \u2013 European Atlas of Fertility Treatment Policies (2021).<\/em>\n<\/a><em>, various national sources<\/em><\/p>\n\n\n\n<p>It is noticeable that cost coverage is handled very differently \u2013 here are 3 main observations:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>France is the most generous country in terms of cost coverage followed by Spain, Italy and Austria form the midfield<\/li>\n\n\n\n<li>In the UK, coverage varies by region, with up to 3 cycles per pregnancy covered by the NHS in some parts of the country, and only one cycle in others<\/li>\n\n\n\n<li>Switzerland (apart from the lack of reimbursement for IUI in Austria) is at the bottom of the list of countries considered<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>Switzerland is one of the European countries where the lowest percentage of infertility treatments is covered by insurance.<\/p>\n\n\n\n<p>The basic insurance usually covers the clarification of the causes of an unfulfilled desire to have a child, hormone treatment for the woman and the costs of intrauterine insemination (IUI), although this should ideally be clarified for the specific case before treatment begins.<\/p>\n\n\n\n<p>In Switzerland, there is currently only one supplementary insurance that covers the costs of IVF or ICSI. However, this should be taken out early, as it is associated with a waiting period of 24 months. However, due to the exclusion of pre-existing conditions, supplementary insurance is rarely relevant for those affected by an unfulfilled desire to have children.<\/p>\n\n\n\n<p>The costs of fertility treatment are tax deductible in Switzerland, but the situation differs between cantons and it is recommended to obtain information from the cantonal tax authorities in advance.<\/p>\n\n\n\n<p><em>Last update: November 24, 2022<\/em><\/p>\n\n\n<style>.kb-row-layout-id_80d3e8-25 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id_80d3e8-25 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id_80d3e8-25 > .kt-row-column-wrap{column-gap:40px;row-gap:var(--global-kb-gap-md, 2rem);max-width:1120px;margin-left:auto;margin-right:auto;padding-top:60px;padding-bottom:120px;grid-template-columns:minmax(0, calc(65% - ((40px * 1 )\/2)))minmax(0, calc(35% - ((40px * 1 )\/2)));}.kb-row-layout-id_80d3e8-25 > .kt-row-layout-overlay{opacity:0.30;}.kb-row-layout-id_80d3e8-25 .kt-row-layout-bottom-sep{height:120px;}.kb-row-layout-id_80d3e8-25 .kt-row-layout-bottom-sep svg{width:100%;}.kb-row-layout-id_80d3e8-25 .kt-row-layout-bottom-sep svg{fill:#ffffff!important;}@media all and (max-width: 1024px){.kb-row-layout-id_80d3e8-25 > .kt-row-column-wrap{grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id_80d3e8-25 .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){.kb-row-layout-id_80d3e8-25 .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){.kb-row-layout-id_80d3e8-25 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id_80d3e8-25 .kt-row-layout-bottom-sep{height:px;}.kb-row-layout-id_80d3e8-25 .kt-row-layout-bottom-sep svg{width:%;}}<\/style>\n<div class=\"kb-row-layout-wrap kb-row-layout-id_80d3e8-25 alignfull has-color_eleven-background-color kt-row-has-bg wp-block-kadence-rowlayout\">\n<div class=\"kt-row-layout-bottom-sep kt-row-sep-type-mtns\"><svg viewbox=\"0 0 1000 100\" preserveaspectratio=\"none\"><path d=\"M1000,50l-182.69,-45.286l-292.031,61.197l-190.875,-41.075l-143.748,28.794l-190.656,-23.63l0,70l1000,0l0,-50Z\" style=\"opacity: 0.4\"><\/path><path d=\"M1000,57l-152.781,-22.589l-214.383,19.81l-159.318,-21.471l-177.44,25.875l-192.722,5.627l-103.356,-27.275l0,63.023l1000,0l0,-43Z\"><\/path><\/svg><\/div>\n<div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle\">\n<style>.kadence-column_1f67a8-fe > .kt-inside-inner-col,.kadence-column_1f67a8-fe > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_1f67a8-fe > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_1f67a8-fe > .kt-inside-inner-col{flex-direction:column;}.kadence-column_1f67a8-fe > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_1f67a8-fe > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_1f67a8-fe{position:relative;}@media all and (max-width: 1024px){.kadence-column_1f67a8-fe > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column_1f67a8-fe > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_1f67a8-fe inner-column-1\"><div class=\"kt-inside-inner-col\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_241f8f-e7, .wp-block-kadence-advancedheading.kt-adv-heading_241f8f-e7[data-kb-block=\"kb-adv-heading_241f8f-e7\"]{font-weight:800;font-style:normal;font-family:Montserrat;color:#313131;}.wp-block-kadence-advancedheading.kt-adv-heading_241f8f-e7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading_241f8f-e7[data-kb-block=\"kb-adv-heading_241f8f-e7\"] mark.kt-highlight{font-style:normal;color:#00b5e2;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading_241f8f-e7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading_241f8f-e7[data-kb-block=\"kb-adv-heading_241f8f-e7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 id=\"teaser\" class=\"kt-adv-heading_241f8f-e7 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_241f8f-e7\">Schwierigkeiten schwanger zu werden, aber die Kosten und M\u00fchen einer Kinderwunsch-Behandlung schrecken Sie ab?<\/h2>\n\n\n\n<p>Griechenland geh\u00f6rt zu den europ\u00e4ischen L\u00e4ndern mit den g\u00fcnstigsten Kinderwunsch-Behandlungen. Bei Kalimedica bringen wir Sie mit Kinderwunsch-Experten zusammen und unterst\u00fctzen Sie auf Ihrer Reise zur Schwangerschaft<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-color-one-background-color has-background wp-element-button\" href=\"https:\/\/kalimedica.com\/behandlungen\/kinderwunsch\/\">Angebote kennenlernen<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column_514ad4-65 > .kt-inside-inner-col,.kadence-column_514ad4-65 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column_514ad4-65 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column_514ad4-65 > .kt-inside-inner-col{flex-direction:column;}.kadence-column_514ad4-65 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column_514ad4-65 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column_514ad4-65{position:relative;}@media all and (max-width: 1024px){.kadence-column_514ad4-65 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column_514ad4-65 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column_514ad4-65 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/kalimedica.com\/wp-content\/uploads\/2022\/12\/Fert_Ursachen_worried-woman-wiwth-pregnancy-test-in-the-bathroom-2021-12-09-04-40-29-utc-1024x683.jpg\" alt=\"\" class=\"wp-image-2322\" srcset=\"https:\/\/kalimedica.com\/wp-content\/uploads\/2022\/12\/Fert_Ursachen_worried-woman-wiwth-pregnancy-test-in-the-bathroom-2021-12-09-04-40-29-utc-1024x683.jpg 1024w, https:\/\/kalimedica.com\/wp-content\/uploads\/2022\/12\/Fert_Ursachen_worried-woman-wiwth-pregnancy-test-in-the-bathroom-2021-12-09-04-40-29-utc-300x200.jpg 300w, https:\/\/kalimedica.com\/wp-content\/uploads\/2022\/12\/Fert_Ursachen_worried-woman-wiwth-pregnancy-test-in-the-bathroom-2021-12-09-04-40-29-utc-768x512.jpg 768w, https:\/\/kalimedica.com\/wp-content\/uploads\/2022\/12\/Fert_Ursachen_worried-woman-wiwth-pregnancy-test-in-the-bathroom-2021-12-09-04-40-29-utc-1536x1025.jpg 1536w, https:\/\/kalimedica.com\/wp-content\/uploads\/2022\/12\/Fert_Ursachen_worried-woman-wiwth-pregnancy-test-in-the-bathroom-2021-12-09-04-40-29-utc.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"><\/figure>\n<\/div><\/div>\n\n<\/div>\n<\/div>\n\n<style>.kt-accordion-id_a6a79d-17 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:0px;}.kt-accordion-id_a6a79d-17 .kt-accordion-panel-inner{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id_a6a79d-17 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:#555555;border-right-color:#555555;border-bottom-color:#555555;border-left-color:#555555;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#f2f2f2;font-size:18px;line-height:24px;color:#555555;padding-top:10px;padding-right:14px;padding-bottom:10px;padding-left:14px;}.kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#555555;}.kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#555555;}.kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#f2f2f2;}.kt-accordion-id_a6a79d-17 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id_a6a79d-17 .kt-blocks-accordion-header:focus-visible{color:#444444;background:#eeeeee;border-top-color:#eeeeee;border-right-color:#eeeeee;border-bottom-color:#eeeeee;border-left-color:#eeeeee;}.kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#eeeeee;}.kt-accordion-id_a6a79d-17 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id_a6a79d-17 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#ffffff;background:#444444;border-top-color:#444444;border-right-color:#444444;border-bottom-color:#444444;border-left-color:#444444;}.kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id_a6a79d-17:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#444444;}@media all and (max-width: 767px){.kt-accordion-id_a6a79d-17 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id_a6a79d-17 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:0px;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-wrap kt-accordion-id_a6a79d-17 kt-accordion-has-2-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane_dafa7a-2d\">\n<div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Sources<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div>\n<div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p><a href=\"https:\/\/www.baselland.ch\/politik-und-behorden\/gerichte\/rechtsprechung\/steuergericht\/2003\/12\">baselland.ch \u2013 Deduction of medical expenses<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.bdo.ch\/de-ch\/publikationen\/fachartikel\/nl\/steuertipp-nr-16-welche-gesundheitskosten-sind-abzugsfahig\">BDO.ch \u2013 Which healthcare costs are deductible?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.ch.ch\/de\/familie-und-partnerschaft\/mutterschaft-und-vaterschaft\/schwangerschaft-und-geburt\/medizinisch-unterstutzte-fortpflanzung\/\">ch.ch \u2013 Medically assisted reproduction<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/entscheidsuche.ch\/kantone\/sg_allent\/i_1-2003_226.html\">Entscheidsuche.ch \u2013 Decision of the Administrative Appeals Commission of 26.02.2004<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.eshre.eu\/~\/media\/sitecore-files\/Publications\/Strasbourg-2018\/01_RAUTAKALLIO_new.pdf?la=en\">ESHRE \u2013 European Policy Audit on Fertility<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.familienplanung.de\/kosten-fruchtbarkeitsbehandlung\/\">Familienplanung.de \u2013 Artificial insemination: Who bears the costs?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.hfea.gov.uk\/treatments\/explore-all-treatments\/costs-and-funding\/\">UK Human Fertilisation &amp; Embryology Authority \u2013 Cost and funding<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.sanitas.com\/de\/privatkunden\/versicherungen\/zusatzversicherungen\/kinderwunsch.html\">Sanitas \u2013 Supplementary insurance for the desire to have children<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.steuerverwaltung.bs.ch\/dam\/jcr:d228c58d-43d4-4c9a-a0c0-e8c8e094485c\/bstpra_2006_3_223.pdf\">Tax administration Basel-Stadt \u2013 medical expenses, in vitro fertilization<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.swissmom.ch\/de\/kinderwunsch\/behandlungsmoeglichkeiten-bei-kinderwunsch\/kosten-einer-infertilitaetsbehandlung-9647\">SwissMom \u2013 Costs for clarification and treatment of involuntary childlessness<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.versicherung-schweiz.ch\/ratgeber\/krankenkasse-kinderwunsch-ivf\">versicherung-schweiz.ch \u2013 Artificial insemination: Does health insurance pay for fertility treatment?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.wireltern.ch\/artikel\/so-viel-kostet-das-wunschkind-318\">wireltern.ch \u2013 This is how much the dream child costs<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.wunschbaby.at\/kosten.html\">Wunschbaby.at \u2013 Costs<\/a><\/p>\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Overview of cost coverage of infertility treatments In Switzerland by basic insurance, supplementary insurance and the possibility of tax deduction. In addition, brief overview of the situation in other European countries<\/p>\n","protected":false},"author":4,"featured_media":4411,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","footnotes":""},"categories":[17],"tags":[],"class_list":["post-4703","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-desire-to-have-children"],"taxonomy_info":{"category":[{"value":17,"label":"Desire to have children"}]},"featured_image_src_large":["https:\/\/kalimedica.com\/wp-content\/uploads\/2022\/12\/Fert_Insur_pexels-andrea-piacquadio-3760067-1024x683.jpg",760,507,true],"author_info":{"display_name":"Dr. Anastasia Driva","author_link":"https:\/\/kalimedica.com\/en\/author\/anastasia\/"},"comment_info":"","category_info":[{"term_id":17,"name":"Desire to have children","slug":"desire-to-have-children","term_group":0,"term_taxonomy_id":17,"taxonomy":"category","description":"","parent":0,"count":9,"filter":"raw","cat_ID":17,"category_count":9,"category_description":"","cat_name":"Desire to have children","category_nicename":"desire-to-have-children","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/kalimedica.com\/en\/wp-json\/wp\/v2\/posts\/4703","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kalimedica.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kalimedica.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kalimedica.com\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/kalimedica.com\/en\/wp-json\/wp\/v2\/comments?post=4703"}],"version-history":[{"count":0,"href":"https:\/\/kalimedica.com\/en\/wp-json\/wp\/v2\/posts\/4703\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kalimedica.com\/en\/wp-json\/wp\/v2\/media\/4411"}],"wp:attachment":[{"href":"https:\/\/kalimedica.com\/en\/wp-json\/wp\/v2\/media?parent=4703"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kalimedica.com\/en\/wp-json\/wp\/v2\/categories?post=4703"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kalimedica.com\/en\/wp-json\/wp\/v2\/tags?post=4703"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}