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Having a baby is a 'dream come true' moment for many couples. But unfortunately for some couples, some factors remain as hindrances between them before reaching these happy moments. One of them is dealing with infertility or going through a difficult fertility stage. IVF, or In-Vitro Fertilization, is certainly a help for those who wish to have children that helps them conceive. Even though seeking medical assistance is common among the couple, it is an undeniable fact that IVF and other similar procedures can be a financial burden for the couple. One of the very first things to do in such a circumstance is to rely on your medical insurance in the UAE.

What is IVF?

IVF stands for in vitro fertilization. In-Vitro Fertilization, or IVF, is an artificial reproductive treatment that involves a number of technical operations to assist couples who are having difficulty conceiving. It involves the use of medical-grade instruments to implant fertilized embryos into the uterus. From the artificial fertilization through the final implantation, an IVF cycle can take many weeks to complete. The extended process could potentially involve the entire course of medication taken prior to IVF.

Does Health Insurance Cover IVF in the UAE?

Fortunately, several health insurance companies in the UAE cover IVF in full or in part as part of their medical insurance plans. Daman, Allianz, and Aetna are just a few of the many companies that offer IVF coverage as part of their best medical insurance in UAE. However, some terms and conditions, such as a waiting period and eligibility requirements, may apply. The cost of IVF in the UAE that is covered by medical insurance varies from provider to provider and plan to plan.

Procedures covered:

• Artificial insemination (AI) or Intrauterine insemination (IUI)

• In Vitro Fertilization (IVF)

• Intracytoplasmic Sperm Injection (ICSI)

• Gamete Intrafallopian Transfer (GIFT)

What Kind of Insurance Coverage Can You Get?

In the UAE, both in-patient and out-patient IVF therapies are commonly covered by medical insurance. However, some plans may solely provide in-patient care. Direct billing is the most common method of covering. There are, however, a few Daman and other providers' programs that include a reimbursement structure. The Daman Premier plan, for example, is designed for expats. Make sure you fully comprehend the conditions of your medical insurance plan in the UAE, as well as the treatments for which you may be paid or reimbursed by the insurer.

Scope of Maternity Coverage in These Plans

Consultations and deliveries are not included in the IVF coverage provided by your medical insurance in the UAE. These rewards can be redeemed with your maternity cover after a successful IVF operation. Keep in mind that your maternity coverage's waiting period will still apply. When you eventually decide to go with IVF, be sure that all of the necessary covers are operational and ready to use.

Limits Applied on These Plans

General restrictions may apply, such as the maximum number of operations covered in a year, the couple's age, and DOH-defined eligibility. Most health insurance companies in UAE will only cover a maximum of three IVF procedures per year. Depending on the service provider you select, this number may change. Limits may also apply to the assured sum of a medical insurance Dubai policy's IVF coverage. Some plans and providers pay the entire cost of the procedure up to the plan's maximum number of procedures allowed throughout the plan's duration, while others may include a sub-limit.

IVF is a medical miracle for couples who are having trouble conceiving. There isn't anything for you to be concerned about now since insurance policies in the UAE cover the costs of this costly procedure. Just be sure you understand your medical insurance coverage and how to take advantage of the perks. Use the help of our financial professionals to figure out what kind of medical insurance coverage would be ideal for you. Make sure you choose wisely after weighing all of your possibilities.