Is the IVF Program Covered by BPJS?

In vitro fertilization (IVF) is a type of assisted reproductive technology where fertilization occurs in a laboratory. It is a preferred option for couples facing infertility issues. IVF involves retrieving eggs and sperm, fertilizing them outside the body, and transferring the resulting embryo back into the uterus.

This method is one of the most effective assisted reproductive technologies, often used when natural conception or intrauterine insemination (IUI) is not successful due to specific medical conditions.

Is the Cost of IVF Covered by BPJS?

Compared to other assisted reproductive technologies, IVF is a complex procedure. It involves advanced technology and regular medication, making it quite expensive. These costs exclude additional medications, pregnancy vitamins, and routine check-ups.

Couples often wonder if BPJS covers IVF costs. The answer is no. Currently, BPJS and private insurance do not cover detailed fertility examinations or assisted reproductive programs. According to Presidential Regulation No.12 of 2013, Article 25, BPJS does not cover healthcare services for infertility treatment.

IVF does not guarantee pregnancy, as various factors can affect the outcome, and success rates decrease for women over 35 years old.

Who Can Undergo IVF?

IVF can be performed for couples with the following conditions:

• Unable to conceive after 3-4 rounds of intrauterine insemination (IUI).
• Moderate to severe endometriosis.
• Bilateral tubal occlusion that cannot be corrected.
• No pregnancy after 6 months post-tubal correction.
• Male factor infertility that cannot be corrected with medication or surgery.
• Ovulation disorders and decreased egg reserve.
• Recurrent idiopathic miscarriages.
• Genetic conditions that require preimplantation genetic testing (PGT).

While BPJS does not cover IVF costs, couples can save for the treatment and consult a doctor for proper guidance.

This article has been medically reviewed by Dr. Chitra Fatimah.

Source:

• Peraturan Presiden Republik Indonesia Nomor 12 Tahun 2013 Tentang Jaminan Kesehatan.https://fiskal.kemenkeu.go.id/docs/inklusif/Perpres-Nomor-12-Tahun-2013-tentang-Jaminan-Kesehatan.pdf