Financial aspects of an ART treatment
General principles With intervention of the health insurance Without intervention of the health insurance
Medical assisted fertilisation usually requires no hospitalisation.
If you do need to be admitted for longer and you explicitly request a single room, the hospital can charge more for the doctor's fee. In this case the invoice for your treatment will be higher.
- If you are covered by the national health insurance system, the health insurance will pay most of the costs of the fertility treatment. See infra.
- If you are not covered by the national health insurance system, you pay a fixed cost for the various treatments and procedures at the CRG.
For more information about the costs of various treatments, please contact your counsellor orthe contact centre.
- They will also provide more information about the fixed settlement (as Belgian patient) if you do not have health insurance.
With intervention of the health insurance
Belgian patients covered by health insurance get most of the costs of an ART treatment back (i.e. apart from the co-payment). There are three 'restrictions'.
- A maximum of six ART cycles are reimbursed, both for artificial insemination and IVF|ICSI.
- Both forms of ART can be combined (if medically relevant).
- Attempts with thawed embryos do not count. These are extra cycles.
- A woman may not be older than 42. The day that the eggs are inseminated is used to determine the age.
- In other words, artificial insemination or egg retrieval with immediate fertilisation in the lab may not be later than the day before your 43rd birthday.
- For an embryo transfer (possibly with thawed embryos) the age limit is 47 (the day before you turn 48).
- In case of IVF/ICSI not more embryos may be transferred than specified in the table below.
This limitation applies for all women having ART treatment, also for non-reimbursed attempts.
| Womans' age |
| ≤ 35 || ≥ 36 & ≤ 39 |
| ≥ 40 & ≤ 42 (NHS) |
≥ 40 & < 48 (in general)
| 1st cycle |
| max. 1 embryo |
| max. 1 embryo || not restricted by law |
| 2nd cycle |
| max. 1 embryo (*) |
| max. 2 embryos || not restricted by law |
| 3rd to 6th cycle |
| max. 2 embryos || max. 3 embryos || not restricted by law |
| Transfer with thawed embryos |
| max. 2 embryos |
| || |
(*) under certain criteria, the transfer of two embryos will be permitted - depending on the quality
About the cost of other procedures (i.e. the co-payment) request the INFO-MUT document at the CRG.
Without intervention of the health insurance
Information about the cost of your ART treatment is available from the Contact centre (see contact
) or during the talk with your counsellor. Here is a summary of the general principles:
- The medical care during an ART treatment is on an outpatient basis, unless hospitalisation is necessary is (for medical reasons).
- The prices specified in the financial contract always apply for one ART treatment.
- Medication is never included in the price of treatment, unless explicitly agreed otherwise.
- If different treatments are combined, the amounts that correspond with those treatments need to be added up.
- Other tests and procedures (hysteroscopy, hysterosalpingography, etc.) are charged separately. If over the course of your treatment an adjustment or extra procedure is necessary, this also implies a change of your financial contract.
- For instance, if during the IVF/ICSI treatment a MESA or TESE procedure is necessary, the costs of this procedure (and the possible anaesthesia) will be extra.
Terms of payment
It is expressly agreed that treatment must be paid before it can start.
UZ Brussel bank identificaton
IBAN: BE86 4324 0168 7150
Please mention the following as a reference with your payment:
CRG / Your name (patient name) / Date of birth
That is why we ask all overseas patients:
- to pay via transfer, and
- to bring the proof of transfer when you come to our centre for treatment. The proof of payment must be in our possession on the day before egg retrieval at the latest.
If payment has not been made, the egg retrieval and embryo transfer cannot be performed.
- If you have a defrayment, please bring the document at your first consultation in our centre. Without this document you will be asked to pay the costs immediately and on-the-spot (see infra).
- The medication for your treatment at the CRF is available at the pharmacy of UZ Brussel. They need to be paid before egg retrieval at the Admissions desks of the Child hospital, Entrance F, route 990.
- Payments at UZ Brussel are only possible by credit card or transfer. Cash or personal cheques are not accepted.
Via private insurance policies
Supplementary private-medical insurance rarely cover ART related costs. Some companies do allow for this possibility, but often this also depends on the conditions of the specific policy. The only person who can tell you this for sure is your insurance broker.
However, in principle ART treatment is entirely on an outpatient basis, hospitalisation is usually not necessary. That is why the costs are generally not covered by a private hospitalisation insurance. We cannot admit a patient to hospital simply to ensure payment from their insurance policy. This is also illegal.