In the Netherlands, 16 IVF permits have been issued to clinics nationwide. Many of these permits are issued to hospitals but there are also some Zelfstandige Behandelcentrums (ZBCs), such as Nij Geertgen (Elsendorp), Fertiliteitskliniek Twente (Hengelo) and Medisch centrum Kinderwens (Leiderdorp). In the Netherlands, a ZBC is also often called an independent or private clinic.

The difference between an independent treatment centre and a hospital is that a clinic often specialises in one particular area, such as assisted reproduction. Therefore, at a ZBC, the waiting list may also be shorter.


Intrauterine Insemination is a form of artificial insemination and is fully reimbursed by basic insurance. A condition is that the woman is younger than 43, and a doctor gives a referral. The costs for a sperm donor, if any, are not reimbursed. Just as with IVF, the expenses of IUI treatment will be deducted from any outstanding deductible. In most cases, you have to have made 6 IUI attempts before you can start IVF treatment.


The health insurer reimburses IVF and ICSI treatments under basic health insurance. However, if someone wants to be considered, this is only possible if there is a medical reason. Examples include malfunctioning fallopian tubes, (severe) endometriosis, irreversible sterilisation, unexplained infertility or reduced quality of the man’s sperm. The basic insurance refunds 3 IVF treatments, but one must pay the deductible.

One Of 30 Babies In The Netherlands Is An IVF Child.

You probably won’t expect it, but IVF results in 1 of 30 babies in the Netherlands. According to the compiler of the report, the increased chance of pregnancy is mainly due to the better results achieved with embryos that have been kept frozen. As a result, the total number of pregnancies resulting from a so-called cryo cycle has increased by 7% and has reached over 47% of the total number of pregnancies after IVF or ICSI. Since the hormonal load and the risks for a woman of such a cycle are much lower, this also means health benefits.
Additional information:
– In the Netherlands, for women up to 38 years of age, a maximum of one embryo is transferred during the first and second cycle.
– For women between the ages of 38 and 43, one or two embryos are transferred during all treatments.
– Replace embryos obtained earlier are covered by the attempt under which they were received. So if there are more embryos from 1 attempt, the surplus embryos are frozen to be transferred (possibly) later.
Conditions for refund by your insurance company, of fertility treatment
If someone is considering undergoing fertility treatment, the information below is essential.
– Most health insurers impose an age limit for women seeking fertility treatment. This usually means that women up to 42 years old are entitled to a refund.
– The above treatments are often not only reimbursed if they take place in a hospital but also in specialised clinics (ZBCs). So do check before you start if your health insurer has a contract with this clinic.
– Fertility treatment abroad is often also reimbursed. Always check with your health insurance company before you start treatment whether this is the case because your health insurance company has to give its approval first.


If donor gametes (egg/sperm /embryo) are used in the Netherlands, the donors’ data are registered nationally. This is laid down in the “Donor Data Artificial Fertilisation Act” of 2004. In the law, it is emphasised that the child has a right to parentage information. Therefore, the clinic where the fertility treatment takes place is obliged to pass on the donor data to the “Foundation for Donor Data Artificial Fertilisation”. This foundation takes care of the law’s implementation, and they also manage the data and provide it to the donor child upon request.


In the Netherlands, there is a significant shortage of donors for both sperm and eggs. A donor should always donate from an altruistic point of view; there should be no commercial interest. Before a donor can start donating, they will have to consult with a psychologist. The recipient of the donated material must also have spoken with a psychologist before treatment may begin.


In the Netherlands, the overall pregnancy rate after IVF (in 2019) has risen to a new high. The multiple pregnancy rate (considered a complication of IVF/ICSI treatment). The overall success rate of IVF/ICSI per cycle increased from 37.1% to 40.2% in 2019 compared to 2018. The percentage of IVF multiple births came to 2.9%.


After three IVF treatments, the chances of giving birth to a child average 40-50%. In about half of all couples undergoing IVF treatments, IVF does not result in pregnancy.

Of the patients who began IVF or ICSI treatment in 2020, about 87% had a pick-up, and 77% had a transfer. About 32% of the patients became pregnant (they had a positive pregnancy test), and finally, 23% were persistently pregnant (this is counted up to at least 10 weeks after the pick-up).


These results show a decent chance of not getting pregnant after 3 IVF attempts. Unfortunately, no information can be found about the Dutch pregnancy results using donated eggs.

What if you do not want to or cannot be further treated in the Netherlands? Or what about if you want more certainty about your course of treatment?

Then it is nice to know that there are clinics where you can go, and they will provide you with guarantees. You then know exactly where you stand and what costs you can count on.

Redia IVF offers the possibility of maximising the chances of success. High-quality care is provided with personal attention. If you do not succeed in having a baby despite everything, Redia IVF offers a full refund guarantee. Without these financial worries, you can enter into a process much more calmly. A good and calm mindset is essential in the process.


Fertility treatment is always an uncertain and exciting process. We can help you to go through it as carefree as possible. We take away as much stress as possible because we let you know exactly where you stand. In terms of opportunities, in terms of costs and terms of possibilities.

Choose a package with a “Live Birth or Money Back Guarantee.” A guarantee of a baby in the crib. You then start a course and know at the outset what the costs for treatment will be. If no baby is born, up to 100% of the treatment costs will be refunded.

By Anneke Janssen, founder of Kinderwens Buitenland

Get expert advice on fertility and IVF

Get expert advice on IVF options

Learn all about IVF
Prices, success rates, quality standards and more

Get information on Redia’s IVF guarantee plans
The best refund guarantee for infertility

Ask our experts
Get answers to all your IVF-related questions