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Health Insurance

Having health insurance for fertility treatment can make your fertility journey feel a little more manageable by helping to ease some of the financial pressure of care.

At Thérapie Fertility, we are approved by all major health insurers in Ireland, including VHI, Laya Healthcare and Irish Life Health. Your level of cover will depend on your individual policy, so we always recommend checking your benefits directly with your insurer before starting treatment.

Using your health insurance for fertility treatment

The way your health insurance benefits are applied will depend on both your insurer and your level of cover.

Some VHI policies operate on a direct settlement basis, meaning VHI pays the covered amount directly to the clinic and you pay any remaining balance. If you are a VHI member, our team can also check your level of cover for you.

For Irish Life Health and Laya Healthcare members, you may be entitled to a rebate towards eligible fertility services. In most cases, you will need to pay for treatment and submit your claim directly to your insurer for reimbursement. We can provide any supporting documentation required for your claim.

Before starting treatment, it is important to confirm exactly what benefits are available under your policy.

In addition to any health insurance benefits, individuals who pay tax in Ireland may be entitled to claim up to 20% tax relief on qualifying fertility treatment expenses. This can provide further support with the overall cost of treatment.

VhiIrish Life HealthLaya Healthcare

Approved healthcare provider

We’re proud to be approved by Vhi, Irish Life Health and Laya Healthcare.

What our patients say

  • Niamh Smith
    a week ago

    Myself and my husband had been attending Thérapie Fertility after some difficulty in trying to conceive. We both had testing done in the most professional way and we were…

    Google Review
  • Sarah Moloney
    a week ago

    Amazing care every step of the way, personable and thoroughly professional. Every step was explained simply and with warmth. We always felt like we knew what was happenin…

    Google Review
  • Leah Fitzgerald
    a week ago

    I honestly couldn’t recommend Thérapie Fertility Clinic in Carrickmines enough. Every single person I’ve met has been so lovely, supportive and reassuring throughout the …

    Google Review
  • Oladapo Temitope Rasheedat
    2 weeks ago

    My sessions with Thérapie fertility have been an essential part of my fertility journey. From our very first appointment, they created a safe, warm, and completely non-ju…

    Google Review
  • Faith Bohan
    2 weeks ago

    I cannot recommend this place enough, the staff, cleanliness, atmosphere and making you feel so comfortable! Lauren was/is my nurse my treatment is ongoing , she is absol…

    Google Review
  • Tanya Rowe
    2 weeks ago

    Felt very comfortable the minute you walked in, all staff are so friendly, provided a great service, great location found it very easy to get too 😀

    Google Review
  • Jesline Nyilongo
    3 weeks ago

    We were warmly welcomed by an amazing receptionist who escorted us to the nurse’s office for consultation. Nurse Amy explained the whole process and suggestions we can op…

    Google Review
  • Megan O Shea
    3 weeks ago

    From our first consults to having our transfer Monday every thing was so smooth , the communication between everyone , the information we received the car we recieved for…

    Google Review
  • Tara Sweeney
    3 weeks ago

    Me and my partner went for a consultation and it was absolutely amazing we had met Lauren and she was wonderful.

    Google Review
  • Romina Artola
    3 weeks ago

    My partner and I were starting our family planning and we decided to consult with the doctors at Therapie Fertility. We had such an amazing smooth experience. All the sta…

    Google Review
  • Stacey Dineen
    4 weeks ago

    My husband and I are currently in the middle of our IVF journey with Thérapie fertility after struggling for years to conceive. I had my egg retrieval with them last Wedn…

    Google Review
  • Nadine Walsh
    a month ago

    Nurse Lauren in the Limerick branch filled me with confidence from the second I walked in. I am so grateful for her taking all of the time to explain everything so carefu…

    Google Review

Your health insurance questions answered.

  • Some policies may contribute towards fertility preservation, depending on your insurer and level of cover. This may be relevant if you are considering options such as egg freezing or embryo freezing. Always check your policy before making treatment decisions.

  • Some health insurance policies may contribute towards fertility testing. This could include tests carried out before treatment or as part of fertility planning. Your insurer can confirm exactly what is covered under your policy.

  • Some private health insurance policies may contribute towards IVF costs, but cover depends on your individual insurer and policy. If you are looking for health insurance that covers IVF, check your Table of Benefits and speak directly with your insurer before starting treatment.


  • Your insurer may ask for receipts, invoices or treatment documentation. Our team will be happy to provide the documents you need, where possible, so you can submit your claim in accordance with your insurer’s process.

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