Zora Health / Employer guide / Argentina
Support employees through fertility treatment, and keep the talent you have invested in.
Fertility treatment rarely fits around a work calendar, and most employees go through it quietly, often while doing some of their best work. Zora Health helps you build practical fertility support, from policies and manager guidance to confidential care navigation and access to 128+ partner clinics in 16 countries, around your workforce and budget. Companies including Hilton, LinkedIn, Sanofi, HSBC, Mastercard, Carousell and Singapore Management University work with us.
Book an employer consultation Explore the cost calculator
Five things Argentine HR leaders should know
- Argentina’s total fertility rate was 1.36 in 2023, and births fell from 770,040 in 2015 to 413,135 in 2024 (Ministry of Health).
- Law 26.862 (2013) makes obras sociales, prepagas and the public sector cover assisted reproduction for any adult: 4 low-complexity and 3 high-complexity treatments a year (Decree 956/2013).
- Cover stops at 44 with own eggs and 51 with donor eggs (Resolution 1044/2018); elective egg freezing is not covered.
- Maternity leave is 90 days and paternity leave 2 days, unchanged by Law 27.802 (2026); there is no fertility leave.
- A fixed allowance for co-payments, elective egg freezing and treatment beyond the limits keeps the budget predictable.
Why fertility is a business problem for employers
Fertility treatment does not fit around a work calendar. A clinic sets the date of a scan the day before. Egg collection happens when the body is ready, usually about 36 hours after a final trigger injection. Then comes a two-week wait, and for many couples, another cycle. Your team feels it: missed meetings, unexplained absences, a strong performer who suddenly goes quiet.
About 1 in 6 people worldwide are affected by infertility (WHO). We found no Argentine survey on hiding treatment at work. In Carrot‘s 2023 survey of 5,000 people in Canada, India, Mexico, the UK and the US, 79% were uncomfortable discussing fertility at work; in Ferring‘s 2025 survey of over 3,600 employees and employers in Australia, France, Japan, Poland and the UK, 60% were not clearly entitled to time off for appointments.
- Resignations. 39% of Ferring’s respondents had left or were considering leaving their job during fertility treatment.
- Lower performance. 55% of Carrot’s respondents said fertility challenges had hurt their work performance.
- Dismissal claims. On 19 February 2019, the Superior Court of Justice of Corrientes upheld a ruling that dismissing a worker in the final stage of fertility treatment was discriminatory under Law 23.592 (Microjuris).
- Unequal access. 37.9% of wage earners had no pension contributions, and so no obra social through their job, in the second quarter of 2026 (INDEC), leaving them to public hospitals.
What employers gain
Keep the people you spent the most to develop
Replacing an employee costs one-half to two times their annual salary (Gallup). Women’s average age at a first fertility consultation is 33, according to Sergio Pasqualini, founder of the Halitus clinic, in La Nación (January 2026), so treatment often overlaps with senior roles. A written policy, paid time off and a funded allowance can reduce barriers that contribute to attrition.
Stand out in a tight labour market
In Ferring’s survey, 73% of people with fertility challenges said they would be attracted to a role that offers fertility support, and 65% of Carrot’s respondents said they would change jobs for fertility benefits. In Argentina, the activity rate for women aged 14 and over was 53.1% in the second quarter of 2026, against 69.6% for men (INDEC). In 2018, Mercado Libre began covering 70% of the cost of egg freezing for employees, according to El Cronista (July 2022).
Make fertility support financially predictable
Aon projected a medical trend rate of 21% for employer health plans in Argentina in 2026, 3.2 points above expected inflation, after 61% in 2025. A capped allowance gives finance a fixed number in pesos.
Zora structures benefits around local costs and the gaps in legal cover, within an agreed budget.
Want to see what this would look like for your Argentine workforce?
What IVF costs, and what the state pays
Private prices matter for anyone without an obra social or prepaga, or beyond the age or yearly limits of Law 26.862. With high inflation, every price carries its date.
| Item | Typical private cost (ARS, April 2026) | Notes |
|---|---|---|
| IVF or ICSI, one full private cycle, Buenos Aires | 5,000,000 to 12,000,000 | USD 3,333 to 8,000 at the source’s official rate of ARS 1,500 |
| Egg donation, full cycle | 8,000,000 to 15,000,000 | USD 5,333 to 10,000 |
| Frozen embryo storage, per year | 80,000 to 200,000 | USD 53 to 133 |
| Elective egg freezing | No peso figure given | SAMeR: USD 2,500 to 3,000, plus about USD 2,500 for medication (January 2026) |
Sources: CuántoMeCuesta price guide, April 2026 (a secondary source citing clinics such as CEGYR and Halitus) and La Nación, 29 January 2026, citing SAMeR. Clinics set their own prices.
| Item | Public support (or own savings) | What the employee still carries |
|---|---|---|
| IVF or ICSI through an obra social or prepaga | Full cover within the yearly and age limits | Any co-payments, which insurers may set freely for non-exempt services since June 2024; treatment beyond the limits |
| IVF without an obra social or prepaga | Public hospitals must also cover it | Travel and waits; we found no national waiting time data |
| Egg freezing for medical reasons | Covered when illness or treatment may affect fertility | Storage beyond the period an insurer or court sets |
| Elective egg freezing | None; own savings | The full private cost and yearly storage |
| Income tax (Ganancias) | Tax relief: 40% of invoiced medical fees, capped at 5% of net income | Most of any private bill |
Sources: Law 26.862, article 8; Infobae, May 2024; Resolution 1044/2018 via Microjuris; Ministry of Health Resolution 1926/2024 on co-payments; El Cronista, 2023; El Cronista 2026 Ganancias guide.
Age is one of the strongest predictors of IVF success. In 2021, the latest year published by the national registry RAFA, the clinical pregnancy rate per fresh IVF or ICSI transfer was 31.7% for women under 35, 26.3% at 35 to 39 and 11.6% at 40 to 45; the live birth rate per fresh transfer for all ages was 15.9% (SAMeR).
Many patients need more than one transfer, so the size and timing of an allowance matter as much as offering one.
Give Employees Access to Fertility Specialists
Help employees navigate fertility care with access to doctors and clinics, treatment information, and clear guidance on IVF, egg freezing and other fertility options. Employees can explore their options privately, without needing to go through HR.
Fertility support that fits your workforce and budget
You do not need to overhaul your existing health insurance to support employees through fertility treatment. Start with awareness and manager education, add confidential one-to-one support, or introduce a funded allowance across your offices. There is no minimum company size.
Where included in the employer programme, eligible employees can use talks and care navigation without paying Zora a separate fee. Care navigation allowances are set in each proposal. Treatment and other third-party costs are paid separately, either by employees or through the fertility allowance their employer provides.
Companies starting the conversation
Essentials
Expert-led talks for employees and managers, fertility and menopause policy templates, manager guides and full access to the Zora app. Up to 2 talks a year.
Employees supported one to one
Navigation
Everything in Essentials, plus confidential one-to-one care navigation and access to our partner clinic network.
Large and multi-country teams
Complete
Everything in Navigation, plus quarterly anonymised reporting, a dedicated account manager and scheduled review meetings with HR.
Optional add-ons can be added to any programme, subject to availability: hormone and fertility diagnostics and telehealth with specialists. Pricing is tailored to your headcount, your countries and the services you choose. Most companies start with a single talk.
Request a proposal See how Zora works for employers
Comparing fertility benefit providers? Use our RFP question bank
Our RFP question bank has 40 questions, with why each one matters, what a good answer looks like and a scoring sheet for three providers. Six of the questions for Argentina:
- Are local-plan employees covered, or only staff on international health plans?
- Do you require an infertility diagnosis before support starts?
- How does the programme work alongside the cover obras sociales and prepagas must give under Law 26.862, and do you help employees claim it when a plan refuses?
- Which clinics can employees use in Buenos Aires, Córdoba, Rosario and Mendoza, and how do you support staff in other provinces?
- How do you support employees above the age limits in Resolution 1044/2018, or those who want elective egg freezing, which the law does not cover?
- How is employee health data handled under Law 25.326, which treats health data as sensitive, and what does the employer see?
Your download link appears here as soon as you submit. Zora Health may contact you about employee benefits; see our privacy policy.
Plan your fertility benefit budget
Fertility benefit budget planner
Model the annual claims budget for a fertility allowance. Change any number.
This is a claims budget, not a Zora quotation. Zora’s programme fees, implementation and optional services are separate.
Illustration only. Utilisation is an editable assumption, not observed Zora data. The calculation assumes each user claims their full annual allowance, and excludes programme fees and setup costs. For a tailored model, request an employer proposal.
Estimate the potential workforce impact of fertility challenges
A rough planning scenario. It applies a global infertility estimate to your headcount, so it is not a prediction for your workforce, a measured loss or a forecast of savings from any programme.
Range: ARS 112,750,000 to ARS 319,000,000 a year, depending on replacement cost.
Assumptions: infertility affects about 1 in 6 adults (World Health Organization, 2023), applied to employees aged 25 to 44. Replacing an employee costs one-half to two times their annual salary (Gallup, 2019); the headline uses the low end. Absence is valued at salary divided by 250 working days. Exit rate and days lost are your own assumptions.
This is a hypothetical cost scenario, not a prediction of actual employee departures, an estimate of Zora’s financial impact or a guaranteed saving from fertility benefits.
Already have corporate health insurance? Here is where Zora fits
Your medical plan may cover some consultations and tests, but fertility treatment is often limited or excluded, so check your policy wording. Employees still need to understand their options, the public funding they qualify for and which clinic suits them.
Zora works alongside your existing insurance and benefits. We help employees get reliable information, navigate their care options and reach suitable specialists, and we give HR manager guidance, policy templates and, on the Complete programme, anonymised reporting. You strengthen fertility support without replacing your medical plan.
How Zora works
For your employees
Employees join the Zora app with a company code, or single sign-on for larger teams. They can learn about fertility and egg freezing, understand what your benefit covers, book a confidential care navigation call and find partner clinics and specialists.
For HR
- Kick-off, week 1. Agree goals, countries and which employees are eligible.
- Policy and benefit design, weeks 2 to 4. Draft or update your fertility policy using our templates.
- Launch, typically weeks 4 to 6. A launch talk for employees and managers, plus a communications pack for HR to send.
- Live support. Employees book care navigation calls and use the Zora app.
- Reporting, every 3 months, on the Complete programme. Anonymised usage, common themes and our recommendations, reviewed with your account manager.
Privacy
Employee privacy is central to our programmes. On the Complete programme, routine employer reports contain aggregated engagement and utilisation information, with safeguards to prevent identification of individual employees. On every programme, personal health information is not included in standard HR reporting, and employees can get help without telling their manager. Where eligibility checks or claims administration need individual-level data, access is limited to authorised parties for defined purposes, as agreed in writing before launch. Employee data is handled in line with Singapore’s Personal Data Protection Act and Argentina’s Personal Data Protection Law (Law 25.326), which treats health data as sensitive data.
Clinics and doctors in Argentina
Zora’s clinic and doctor directory does not list providers in Argentina yet. It lists 421 clinics and 1,185 doctors across 25 countries, mostly in Asia Pacific and the Middle East (browse clinics or browse doctors). Employees in Argentina can still use Zora’s education and the Zora app. Ask us how your team in Argentina would use Zora before you launch. See Zora’s employer guides for every country.
Rules and eligibility in Argentina
Who can use assisted reproduction
Any consenting adult can access treatment, whatever their marital status or sexual orientation (articles 7 and 8). Decree 956/2013 allows up to 4 low-complexity and 3 high-complexity treatments, at least 3 months apart (Infobae); in August 2018 the Supreme Court read the high-complexity limit as yearly (Y., M. V. c/ IOSE, Fallos 341:929; Microjuris, iProfesional). Resolution 1044/2018 caps cover at 44 with own eggs and 51 with donor eggs, measured when treatment starts (Microjuris). We found no amendment as of November 2026.
Consent, donors and surrogacy
Consent must be prior, informed and free, renewed each time gametes or embryos are used (article 560), and can be withdrawn until conception or implantation (article 561). Donors are anonymous, but a donor-conceived person can get the donor’s medical data for health reasons, and a judge can reveal identity for well-founded reasons (article 564). Surrogacy is not regulated. On 22 October 2024 the Supreme Court refused to remove a gestational carrier as legal mother (Microjuris, La Capital); on 27 November 2025, Sala H of the national civil appeal court in Buenos Aires declared article 562 unconstitutional in one case (Microjuris).
Covered for medical reasons only
Cover includes storing gametes or tissue, also for under-18s, when illness, treatment or surgery may affect fertility (article 8). The law sets no storage period, and courts have ordered 1.5 to 3 years (Infobae). Elective freezing is not covered, according to the patient association Concebir (El Cronista).
Leave and pregnancy protection
Maternity leave is 90 days, usually 45 before and 45 after birth, paid by ANSES; paternity leave is 2 days. Dismissal within 7.5 months before or after birth is presumed to be for pregnancy or maternity and carries an extra year’s pay (e-sueldos, September 2026). There is no fertility leave. Law 27.802, published on 6 March 2026 (Marval O’Farrell Mairal), is in force: a labour appeal court suspended an injunction against 83 articles in April 2026 (Infobae) and a federal appeal court refused the CGT union’s new suspension request in July 2026 (iProfesional). It left the leave rules unchanged, according to e-sueldos and ELA‘s January 2026 analysis of the bill.
Discrimination, flexible work and health data
Law 23.592 lets a worker seek annulment of a discriminatory act and damages; since July 2024, article 245 bis of the Employment Contract Law adds 50% to 100% to severance for dismissal found discriminatory, including on grounds of sex (Estudio Vilaplana). Law 27.802 repeals the telework law, Law 27.555, from 1 January 2027 (Estudio O’Farrell). Law 25.326 treats health data as sensitive, and no one can be required to provide it (articles 2 and 7). A bill to replace it, 3397-D-2026, introduced on 16 July 2026, was still under debate at last report (Digital Policy Alert).
Why employers choose Zora
Companies including Hilton, LinkedIn, Sanofi, HSBC, Mastercard, Carousell and Singapore Management University work with Zora Health. We work alongside your existing insurance, helping employees use the cover they already have and find suitable specialists based on their needs.
Trying to conceive with a heavy workload took a toll on my husband and me. It helped us understand our options.
Questions HR teams ask us
Is fertility leave mandatory in Argentina?
No. We found no statutory fertility or IVF leave in Argentina. Under the Employment Contract Law, maternity leave is 90 days, paid by ANSES, and paternity leave is 2 days, and the March 2026 labour reform (Law 27.802) did not change these, according to secondary sources. Time off for treatment depends on company policy, collective agreements or medical certificates.
Do obras sociales and prepagas in Argentina pay for IVF?
Yes. Law 26.862 of 2013 requires the public health sector, obras sociales and prepagas to cover assisted reproduction, including medication and donor gametes. Decree 956/2013 allows up to 4 low-complexity treatments a year and up to 3 high-complexity treatments, which the Supreme Court read in August 2018 as a yearly limit. Resolution 1044/2018 limits cover to age 44 with own eggs and 51 with donor eggs. Since June 2024, Resolution 1926/2024 lets insurers set co-payments freely for services not exempt from them.
Can employees freeze their eggs in Argentina?
Yes. Egg freezing is covered when illness or medical treatment may affect fertility. Elective egg freezing is paid privately: SAMeR’s average, reported by La Nación in January 2026, was USD 2,500 to 3,000 for the procedure plus about USD 2,500 for medication. SAMeR says about 4,000 women a year freeze their eggs.
Does Zora replace our health insurance?
No. Zora works alongside your insurance. We help employees understand their options, find suitable specialists and use the cover they already have.
How much does a fertility benefit cost an employer?
It depends on the allowance, eligibility and expected uptake. Use the budget planner on this page for a first estimate, then ask us for a tailored proposal based on your headcount and countries.
How quickly can we launch?
Typically 4 to 6 weeks from contract to launch, depending on scope and countries. Most companies start with a single talk.
Related guides for Argentine employers
Build a fertility benefit for your team
Whether you are introducing fertility benefits for the first time or improving an existing programme, tell us your headcount, countries and priorities. We will come back within two working days with suitable services, an indicative budget and a practical rollout plan for your Argentine team. No obligation.
Not ready to talk yet? Explore how Zora works
Sources
- La Nación, Abrupta tendencia: el dato sobre la evolución de los nacimientos en el país, 18 March 2025 (Ministry of Health vital statistics)
- NoticiasNQN, Argentina tuvo 357 mil nacimientos menos en nueve años (DEIS data), 16 September 2026
- SAMeR, Registro Argentino de Fertilización Asistida (RAFA) 2021 presentation, 2023
- La Nación, Cuánto cuesta congelar óvulos para preservar la fertilidad, 29 January 2026
- Argentina.gob.ar, Law 26.862 on medically assisted reproduction, text
- Infobae, Tips jurídicos: cuántos tratamientos de reproducción asistida debe cubrir la obra social o prepaga, 6 May 2024
- iProfesional, Fertilización asistida: hay límite de intentos? Fallo aclara cobertura de prepagas, 4 May 2026
- Microjuris Al Día, Supreme Court rules three high-complexity treatments are yearly (Y., M. V. c/ IOSE, 14 August 2018), November 2018
- Microjuris Al Día, Ministry of Health Resolution 1044/2018 on age limits, June 2018
- Ministry of Health Resolution 1926/2024 on co-payments (coseguros), Boletín Oficial, 24 June 2024
- La Gaceta, El Gobierno liberó los copagos por atención médica que cobran las obras sociales y las prepagas, 24 June 2024
- CuántoMeCuesta, Cuánto cuesta la FIV en Argentina, prices updated April 2026
- El Cronista, Congelar óvulos: el tratamiento para postergar la maternidad ya se paga al dólar blue, 13 November 2023
- El Cronista, Impuesto a las Ganancias 2026: guía de sueldos, deducciones y escalas
- INDEC, Mercado de trabajo: tasas e indicadores (EPH), second quarter 2026
- Microjuris Al Día, Superior Court of Corrientes ruling on dismissal during fertility treatment, June 2019
- El Cronista, Congelación de óvulos, licencias extendidas y flexibilidad: los nuevos beneficios que ofrecen las empresas, July 2022
- Aon, The Global Medical Trend Rates Report 2026, October 2025 (PDF copy hosted by Consultorsalud)
- Conceptos Jurídicos, Civil and Commercial Code article 560
- Conceptos Jurídicos, Civil and Commercial Code article 561
- Conceptos Jurídicos, Civil and Commercial Code article 564
- Microjuris Al Día, Supreme Court ruling on gestational surrogacy and filiation, 25 October 2024
- La Capital, Subrogación de vientre: un fallo de la Corte Suprema contra dos papás invita a pensar en una ley, 8 January 2025
- Microjuris Al Día, Cámara Nacional Civil Sala H declares article 562 unconstitutional, ruling of 27 November 2025
- e-sueldos, Licencia por maternidad 2026, updated September 2026
- Marval O’Farrell Mairal, Entra en vigencia la Ley de Modernización Laboral (Law 27.802), March 2026
- Infobae, La Cámara del Trabajo revocó la cautelar que frenaba la reforma laboral, 23 April 2026
- iProfesional, Reforma laboral: revés judicial para la CGT (Cámara Contencioso Administrativo Federal, Sala IV), 8 July 2026
- Estudio O’Farrell, Labor Modernization: Congress passed a law introducing comprehensive reform, March 2026
- ELA, Reforma laboral: Ley de Modernización Laboral, January 2026
- Estudio Vilaplana, Despido discriminatorio: derechos y opciones legales, updated 2026
- InfoLEG, Law 25.326 on personal data protection, consolidated text
- Digital Policy Alert, Chamber of Deputies introduced personal data protection bill 3397-D-2026, July 2026
- Ferring Pharmaceuticals, Fertility Matters at Work and This Can Happen, workplace fertility survey, November 2025
- Carrot Fertility, Global Fertility at Work report, 2023
- Gallup, This fixable problem costs US businesses $1 trillion, 2019
- World Health Organization, 1 in 6 people globally affected by infertility, April 2023
Information on this page is correct as of 5 November 2026. Laws, public funding, insurance rules and treatment costs change often, so check current rules with the relevant authority, insurer or a qualified adviser before making decisions. This page is general information, not legal, financial, tax or medical advice.