Whatever the underlying cause, the inability to conceive a child often causes a great deal of frustration and distress.
Some people get pregnant very quickly, while others have to try for longer before they conceive. Although the vast majority of couples who have regular, unprotected sexual intercourse get pregnant within a year, it is estimated that around 1 in 7 couples has difficulty conceiving.
It is important to draw a distinction between infertility and sterility. Infertility means that a person is able to conceive but finds it more difficult; sterility means that a person cannot conceive despite medical treatment or operations.
Infertility has a variety of possible causes, including:
• psychological stress
• use of alcohol, nicotine or drugs
• low sperm quality or low sperm production (in men)
• being significantly underweight or overweight, and
• hormonal imbalances
It is often possible to remedy infertility, either through medical treatment or by making lifestyle changes to eliminate the cause. However, it is crucial that a specialist doctor examines the couple to determine the reasons for the infertility.
At ottonova, when you opt for either our Business Class or First Class tariff, we cover up to €3,000 of fertility treatments during the first 36 months of your policy, with no upper limit thereafter. We do not cover fertility treatments in our other tariffs, including our Expat tariff.
If you are eligible for private health insurance and you are in Germany on a visa or a limited permit, we can offer you the Expat Tariff up to five years.
Private Health Insurance: The process to get your finalized contract with us depends on your situation. Tariffs in private health insurance in Germany are based on the age when you enter the system and your health status. For some people it is possible to get the insurance already on the same day. If you have questions, feel free to book a non-binding consultation. Our sales team is happy to assist you during that process.
Dental Top-Up Insurance: Please take out your dental top-up insurance early enough. The monthly costs are manageable but you can save a lot of money in an insurance case. Our dental insurance plans have no waiting period, so you can go straight to the dentist. However, if treatment has already been started or advised, it is too late and we cannot cover the costs for this treatment.
We reimburse psychotherapy with no yearly session limit, contrary to most other insurance providers.
Interested in private health insurance in Germany? We help you to find the best tariff.
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