People whose infertility is due to a medical reason. This may include, for example, ovulatory disorders, ovarian dysfunction, reduced sperm parameters, endometriosis, blocked fallopian tubes, hormonal disorders, or other comparable illnesses or diagnoses.
Reimbursement is typically granted to patients under 43 years of age. For patients over 43, eligibility is assessed on an individual basis based on a medical statement.
All treatments must be medically necessary and in line with good clinical practice.
Note: Treatments using donor gametes are generally not eligible for direct Kela reimbursement. However, if the criteria—such as age limits and the definition of medically necessary care—are met, reimbursement may be applied for separately. The final decision on reimbursement is always made by Kela.
Reimbursement levels vary. Some individual examinations and appointments have a fixed reimbursement rate, while broader treatment packages are reimbursed according to Kela’s defined tariffs.
In general, Kela reimbursement covers approximately 25–40% of treatment costs. Ovumia’s staff can calculate a personalised estimate of your out-of-pocket costs before treatment begins. You can see the patient shares for different procedures after Kela reimbursement in our price list.
Clinical assessment and medical statement:
A specialist in obstetrics and gynaecology must determine that there is a medical cause for infertility.
If you do not yet have a medical statement from our clinic, please book an initial appointment with a fertility specialist. The easiest way to do this is via our website or by calling us.
If you have no prior experience with fertility treatments, we recommend booking a free nurse consultation online. This allows us to ensure that the necessary diagnostic tests are completed before your first doctor’s visit. These may include, for example, a semen analysis for the male partner or an AMH blood test for the female partner.
You can also contact us anytime via our online form, and we’ll be happy to advise you.
Direct reimbursement vs. reimbursement claimed afterwards:
Ovumia uses Kela’s direct reimbursement system, meaning the reimbursement is deducted directly from your invoice and you only pay your out-of-pocket share.
If direct reimbursement is not available, you can apply for reimbursement via the OmaKela service or by submitting receipts to Kela. Practices may vary between providers, so it’s advisable to ask in advance whether direct reimbursement is available.
Please remember to bring your Kela card to your appointment for direct reimbursement.
Kela’s decision and payment:
Kela pays the reimbursement either directly to your bank account or to the treatment provider, depending on the chosen procedure.
Fill in the contact form or book a free nurse consultation. Ovumia will help calculate your out-of-pocket costs and explain what Kela will reimburse in your specific case.
Please note that a final treatment plan always requires appropriate examinations, and the final cost estimate can only be given after the initial consultation with a fertility specialist.
Treatments involving donor gametes and treatments where there is no medically diagnosed infertility are generally not covered by Kela reimbursement. A doctor’s assessment and a case-by-case evaluation are required. Reimbursement must be applied for separately from Kela, and the necessary application forms can be obtained from the clinic.
Yes, if infertility is caused by a medical condition and the treatment has been prescribed or provided by a specialist in obstetrics and gynaecology. Kela reimburses part of the cost of private fertility treatments in accordance with Kela’s tariffs.
Direct reimbursement is possible for up to three treatment cycles (IVF/ICSI), including frozen embryo transfers. After this, reimbursement eligibility is assessed individually for each case.
The amount varies depending on the type of treatment and the procedures performed. For example, part of a gynaecologist’s consultation and certain examinations are reimbursed at a fixed rate. In IVF and ICSI treatments, Kela covers only part of the total cost.
Typically, the reimbursement covers around 25–40% of the treatment costs. At Ovumia, you will always receive an estimate of your out-of-pocket costs after Kela reimbursement in advance.
A clinical statement from a doctor, the invoice from the treatment provider, and proof of payment. Ovumia’s reception staff will assist you with the reimbursement application or deduct the reimbursement directly from your invoice (direct reimbursement).
Kela may reimburse gynaecologist appointments, infertility examinations and treatments, follicle ultrasounds, and doctor-prescribed tests, assessed in accordance with Kela’s rules.
Yes, but only when IVF is based on a medically diagnosed cause of infertility. Kela does not cover the full cost of IVF treatment; part of the expenses remains the patient’s responsibility. Typically, the reimbursement share is around 25–40%.
The amount varies depending on the type of treatment and the number of examinations required. Typically, the patient’s share for IVF treatment at a private clinic amounts to several thousand euros. At Ovumia, you will receive an accurate cost estimate as part of your treatment plan after Kela reimbursement.
For example:
Standard IVF treatment starts from €2,461 after Kela reimbursement
ICSI treatment starts from €2,924 after Kela reimbursement
In addition, the cost of a 60-minute initial consultation is usually added; after reimbursement, this is €119. If frozen embryo transfers are needed, these are charged separately according to the price list.
Our price list shows the patient’s out-of-pocket share for each visit or treatment package. At Ovumia, you will also receive a detailed breakdown of treatment costs during your visit.
You are likely eligible if infertility is due to a medical reason, the treatment has been prescribed by a specialist, and you are under 43 years of age. The treatment must be medically justified. Please remember to bring your Kela card with you for direct reimbursement.
Simply trying to conceive for one year does not automatically qualify for reimbursement. A doctor’s medical assessment and diagnosis of infertility are required. Even if the cause of infertility remains partly unknown, the treatment may still be considered medically necessary care.
Medically necessary care is treatment that can be assessed in advance as being effective. Such treatment is reimbursable if other criteria (such as age) are met.
It refers to a condition where pregnancy does not begin due to a disease or dysfunction, such as:
If fertility treatment is based on a medical reason, Kela reimbursement may be possible. If treatment is provided without a medically diagnosed infertility (e.g. a wish to have a child using donor gametes only), Kela generally does not reimburse the treatment.
Treatments involving donor gametes are not eligible for direct reimbursement, but reimbursement can be applied for separately from Kela.
Ovumia uses the direct reimbursement system, meaning the Kela reimbursement is deducted directly from your invoice. In this case, remember to bring your Kela card. Otherwise, reimbursement is applied for via the OmaKela service.
A doctor’s statement, the treatment invoice, and payment receipts. Ovumia’s staff will assist with the application if needed.
It depends on the procedure. With direct reimbursement, you receive the benefit immediately by paying only your out-of-pocket share. When applying via OmaKela, reimbursement is usually paid within a few weeks.
