Health insurance in the UAE generally does not routinely cover fertility treatments like IVF, especially for expats. However, some health insurance plans may include optional coverage for IVF and other fertility-related treatments like artificial insemination (AI/IUI) and intracytoplasmic sperm injection (ICSI) as an add-on.

The coverage is subject to terms and conditions like waiting periods and eligibility criteria.

The extent of IVF coverage can vary between insurance providers and plans. Some may cover the full cost up to a certain number of cycles per year, while others may have sub-limits. Routine services like consultations and delivery are generally not included in the IVF coverage. A careful review of plan details is required to understand the specific benefits offered.

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