Fertility Benefits for Employers in Colombia

Written by Anna Haotanto, Founder, Zora Health. Last reviewed: November 2026. General information, not legal or medical advice. This guide covers IVF and egg freezing costs, public funding, the rules and how to build a fertility benefit.

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.

The World Health Organization estimates that about 1 in 6 people worldwide are affected by infertility. We found no Colombian survey on fertility at work. In a 2023 Carrot Fertility survey of 5,000 people in Canada, India, Mexico, the UK and the US, 79% said they felt uncomfortable discussing fertility openly at work.

• Resignations. 39% of employees with fertility challenges in Ferring‘s 2025 survey of more than 3,600 people in Australia, France, Japan, Poland and the UK had left or were considering leaving their job during treatment.
• Lower performance. 55% of Carrot’s 2023 respondents said fertility challenges had hurt their work performance (Carrot, 2023).
• Slow court routes. In a 2025 case, a 38-year-old woman’s IVF orders went unauthorised by her EPS for more than a year and a half, until the Constitutional Court ordered the EPS to act (T-309 of 2025).

What employers gain

What IVF costs, and what the state pays

IVF sits outside the EPS benefits plan, so most patients pay a private clinic directly (Portafolio, February 2025). We found no official price survey.

Sources: CuantoMeCuesta, prices updated May 2026, a secondary source citing Bogotá and Medellín clinics; Medical Tourism Association, April 2026 for US dollar figures. Colombian pesos unless stated.

Source: Constitutional Court, T-309 of 2025, summarising SU-074 of 20 February 2020 and the exclusion resolutions.

Age is one of the strongest predictors of IVF success. Across Latin American registry clinics in 2021, including 14 in Colombia, the delivery rate per egg collection in fresh IVF or ICSI with a patient’s own eggs was 27.1% at 30 or younger, 21.3% at 34 to 36, 13.5% at 37 to 39 and 5.9% at 40 to 42 (Latin American Registry, 2021 data); the registry does not publish these rates for Colombia alone.

An employee who starts at 38 may need several private cycles, so the size of an allowance, and when it can be used, matter as much as offering one.

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.

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

Plan your fertility benefit budget

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

1. Kick-off, week 1. Agree goals, countries and which employees are eligible.
2. Policy and benefit design, weeks 2 to 4. Draft or update your fertility policy using our templates.
3. Launch, typically weeks 4 to 6. A launch talk for employees and managers, plus a communications pack for HR to send.
4. Live support. Employees book care navigation calls and use the Zora app.
5. 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 Colombia’s Law 1581 of 2012 on personal data protection, which treats health data as sensitive data that needs the employee’s explicit authorisation.

Clinics and doctors in Colombia

Zora’s clinic and doctor directory does not list providers in Colombia 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 Colombia can still use Zora’s education and the Zora app. Ask us how your team in Colombia would use Zora before you launch. See Zora’s employer guides for every country.

Rules and eligibility in Colombia

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 Colombia?

No. The Labour Code gives mothers 18 weeks of paid maternity leave and fathers 2 weeks of paid paternity leave, and no law gives fertility or IVF leave. Since June 2025, Law 2466 requires paid leave for urgent medical appointments and scheduled specialist appointments with a medical certificate, though it does not name fertility treatment. Other time off for treatment depends on employer policy.

Does the EPS pay for IVF?

Usually not. IVF is expressly excluded from the Plan de Beneficios en Salud. Since SU-074 of 2020, the Constitutional Court has ordered partial funding of up to 3 attempts in exceptional cases, mainly for people with primary infertility, no prior IVF and too little income to pay, after a treating doctor certifies it is viable. The Ministry of Health had not issued the general access rules required by Law 1953 of 2019 as of July 2025.

Is elective egg freezing legal in Colombia?

Yes. We found no law that restricts elective egg freezing or sets an age or storage limit. Gamete banks must be certified by INVIMA, and employees pay the clinic price plus storage, since the EPS does not cover elective freezing.

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 Colombian employers

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.