Fertility Benefits for Employers in Finland

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 1 in 6 people worldwide are affected by infertility. In THL’s Terve Suomi study, 16% of Finnish women and 11% of men aged 30 to 74 had experienced involuntary childlessness (Simpukka and THL, January 2024). In a 2023 Carrot Fertility survey of 5,000 people in 5 countries outside Finland, 79% felt uncomfortable discussing fertility at work.

• Resignations. 39% of employees with fertility challenges in Ferring‘s 2025 survey of over 3,600 people in 5 countries had left or considered leaving their job during treatment.
• Lower performance. In the same survey, 36% felt pressured to be at work during treatment, and 17% took sick leave for lack of flexibility.
• Pregnancy discrimination. In a 2024 Statistics Finland study, about 1 in 4 pregnant employees reported pregnancy or family leave discrimination, most often a fixed-term contract left unrenewed (Government proposal HE 39/2026).
• Unequal access. Simpukka, the national infertility association, says Kela’s medical-cause rule disadvantages single women and female couples (MTV Uutiset, 2025).

What employers gain

What IVF costs, and what the state pays

Public IVF is mainly in university hospitals. National criteria require at least a 10% chance of success per IVF cycle (STM). Counties add rules. HUS treats couples, single women and female couples with a BMI of 18 to 35 and at most one shared child (HUS). A 2022 Seinäjoki guide, issued before the counties took over, limits treatment to women under 40 and excludes couples where either partner has 2 children (Seinäjoki Central Hospital). Client fees, such as €71.30 per hospital outpatient visit in South Karelia (Eksote, 2026), are capped at €815 a year (City of Helsinki).

Sources: Ovumia price list valid from 5 May 2026, plus a €19 office fee; Felicitas Mehiläinen, June 2026, range by region; own cost applies with Kela direct reimbursement; MTV Uutiset/STT, December 2024 for HUS.

Sources: Kela, December 2025; Kela, May 2025; Kela, 2026 deductibles.

Age strongly predicts IVF success. Across all ages, 19.9% of treatments in 2023 resulted in a birth (THL, 2025). A 2020 review by HUS doctors, using national 2017 data, found that over 30% of embryo transfers in women under 30 led to a birth (Lääkärilehti, 2020).

For an employee starting in her late 30s, these age limits leave little time, so when an allowance can be used matters as much as its size.

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 Finland’s data protection rules under the GDPR and the Data Protection Act (1050/2018), which treat health data as special category data.

Clinics and doctors in Finland

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

Rules and eligibility in Finland

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.

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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 Finland?

No. There is no statutory fertility or IVF leave. Some collective agreements, including those for the municipal sector and wellbeing services counties, now pay for absences for treatment, and employers can add paid fertility leave in their own policy. Parental allowance of 160 days per parent applies once a child is born or adopted.

Does the public system pay for IVF in Finland?

Yes. Wellbeing services counties provide treatment, mainly in university hospitals, and patients pay client fees capped at €815 a year in 2026. Counties set their own criteria, such as BMI limits and how many children a couple already has, and queues can last months. For private treatment, Kela has reimbursed part of the cost since 1 May 2025 for patients under 43 whose infertility has a medical cause, with up to 3 treatment sets reimbursed directly.

Can single women and female couples get IVF and egg freezing in Finland?

Yes. The Assisted Fertility Treatments Act has allowed treatment for women without a partner since 2007, and since 2019 it has recognised two women as a couple. Kela reimburses their private treatment only if infertility has a medical cause. Elective egg freezing is legal but self-funded, from €2,531 per cycle at Ovumia in 2026.

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 Finnish 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.