Assisted Reproductive Therapy Benefit

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What is the Assisted Reproductive Therapy Benefit?

Assisted reproductive therapy includes medical treatment and procedures to assist with infertility. Depending on your chosen treatment, and if you meet the benefit and clinical criteria, you will have access to a comprehensive basket of care, which may include cover for the following:

  • In vitro fertilisation (IVF)
  • Frozen embryo transfer (FET)
  • Intrauterine insemination (IUI)
  • Embryo and sperm storage

What we cover

Please refer to the Assisted Reproductive Therapy benefit guide for more details

The Assisted Reproductive Therapy Benefit offers cover for a defined basket of care of up to two cycles of assisted reproductive therapy. For each cycle, this basket of care includes:

Assisted reproductive therapy (ART) consultations and medicine

Oocyte (egg) retrieval

Embryo transfer

Ultrasound scans

Admission costs, including the laboratory fees

Embryo and sperm storage

We pay up to up to 75% of the Discovery Health Rate for your treatment, up to a limit of R110 000 per person per year. You will need to pay 25% of the cost of your treatment.

If you are 25 – 39 years old, you have access to 2 cycles of assisted reproductive therapy. If you are 40 – 42 years old, you have access to one cycle of assisted reproductive therapy.

How to get the benefit

You can activate the Assisted Reproductive Therapy Benefit if you are a female member, aged 25 - 42 years, and you are on an Executive or Comprehensive plan.


The Discovery Health Medical Scheme is an independent non-profit entity governed by the Medical Schemes Act and regulated by the Council for Medical Schemes. It is administered by a separate company, Discovery Health (Pty) Ltd, an authorised financial services provider.

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