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IVF Cycle Complication Insurance Coverage |
| :: Medical Plan Premium And Deductible... What does it Cost? :: Egg Donor Recipient Insurance :: Summary Of Benefits... What does it Cover? :: Why Do You Need The Egg Donor Recipient InsuranceSM |
Medical Plan Premium And Deductible
| Premium | US $345.00 Due per cycle. |
| Deductible | $0 |
| Coverage Term: | The policy remains in effect (4) months from the reported cycle start date provided that complications are incurred within ninety(90) days of the medication start date of the cycle. |
Egg Donor Recipient Insurance Summary Of Benefits
| Plan Maximum: | $500,000 combined single limit for egg donor and recipient. |
| Coverage: | Complications only. |
| Accidental Paralysis: |
$200,000 Combined single limit for egg donor and recipient. |
| Accidental Death Benefit: |
$200,000 Combined single limit for egg donor and recipient. |
| Coordination of benefits: |
Policy is Primary. |
Why Do You Need The Egg Donor Recipient Insurance
IVF treatments and procedures are invasive processes that lend themselves to an inherent risk for medical expenses to occur. Egg donation patients, intended parents and industry professionals can minimize the risk of financial loss that a complication from this type of procedure could present.
1. Potential financial risk as the Intended Parent.
Many women going through IVF cycles with or without an egg donor are not aware that most insurance policies have exclusions for any treatment or complications arising from procedures of Invitro Fertilization. By purchasing the Egg Donor Recipient Insurance you stop your financial risk.
2. Potential financial risk as the IVF clinic or the representing egg donor agency professional.
Many clinics do not recognize the risk to their practice by not having or recommending their clients and egg donors to have a specific insurance in place for incurring procedures. By implementing our insurance directly with their clients or indirectly through their practice the Doctors never have to cover costs of treatment from small or large complications.
3. Disruption of the egg donors personal policy.
Egg Donors will not have to risk denial or cancellation of their personal insurance plan because of potential claims from egg donor related complications.
4. The Egg Donor Recipient Insurance has a zero dollar deductible.
There will be no out of pocket expenses for you, the IVF clinic or the representing egg donor agency professional if a complication occurs with you or your egg donor.
5. The Egg Donor Recipient Insurance is underwritten by Lloyd's of London.
Lloyds of London is an "A" rated superior security by A.M. Best, financial size XV (excess of two billion dollars) and an S & P rating of excellence in claims servicing.
Preexisting Limitations And Exclusions
Exclusion:
Any claims reported outside of the US. Any complication resulting in claims not directly related to the egg donation and retrieval process.
Requirements:
The Egg Donor Recipient Insurance must be purchased per cycle.
It is a condition and warrantee that the egg donors and recipients are in good health, medically examined, interviewed and cleared by a three year or more board certified reproductive endocrinologist.
Limitations:
This Certificate provides limited benefits, and should not be considered Basic Hospital or Basic Major Medical Coverage. Benefits under this Certificate will be secondary, in excess of any other collectable medical expense insurance.
Pre-existing Conditions:
This policy covers no Pre-existing Conditions.