Fertility Benefits for Employers in Greece

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. In Greece, 6.4% of births in 2019 followed assisted reproduction, according to National Authority for Medically Assisted Reproduction data from 41 units (News4Health, July 2022), the latest national figure we found. We found no Greek survey on fertility treatment at work, so the workplace figures below come from other countries.

• Resignations. 39% of respondents 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 considered leaving their job during treatment.
• Lower performance. 55% of respondents in Carrot‘s 2023 survey of 5,000 people in Canada, India, Mexico, the UK and the US said fertility challenges had hurt their work performance.
• Costs outside Athens. A June 2026 parliamentary question said couples on islands and in remote areas pay travel and accommodation on top of procedure and storage fees that insurers do not reimburse (Hellenic Parliament).

What employers gain

What IVF costs, and what the state pays

EOPYY committees approve up to 4 IVF attempts for insured women up to 50, at least 4 months apart (EOPYY; EOPYY, 2013). In January 2026 the Health Ministry told Parliament that committees approve attempts, with medicines usually up to 3,600 IU of gonadotropins per attempt (maximum 5,000 IU), plus an allowance for egg collection and embryo transfer (Ministry of Health; EOPYY, 2016). The latest amount we found for that allowance is €352.16 per completed attempt at a non-contracted private clinic, set by a 2019 circular (Nextdeal). The MP who asked said EOPYY covers only part of the medicines and that tests and embryo transfer remain almost entirely with the patient (Hellenic Parliament, November 2025).

In November 2025 the Health Minister announced a free AMH (ovarian reserve) test for all women up to 35 from 2026 and said cover for egg freezing, possibly partial, was planned for 2026 (Odigos tou Politi). A September 2026 demographic plan proposes broader cover for assisted reproduction, without amounts (To Vima). EOPYY does not pay for elective egg freezing or for treatment after 50, and we found no national IVF or egg freezing voucher scheme in force in November 2026.

Sources: Newlife IVF, price list (undated, accessed November 2026); Total Fertility, Ark IVF Athens prices (July 2025); Powergame, 12 October 2025; TreatCompare, April 2026 (medicines £800 to 1,500 extra). Prices vary by clinic.

Age is one of the strongest predictors of IVF success. We found no published Greek success rates by age. In 2023 the then president of the National Authority, Nikolaos Vrachnis, estimated the chance of a later child at about 80% for women who freeze their eggs at 33 to 35, about 25% at 40 and close to zero after 45 (CNN Greece, March 2023).

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 Greece’s Law 4624/2019, which applies the EU General Data Protection Regulation (GDPR), under which health data is special category data.

Clinics and doctors in Greece

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

Rules and eligibility in Greece

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 Greece?

Yes, for women undergoing treatment. Article 35 of Law 4808/2021 gives female employees undergoing medically assisted reproduction 7 working days of paid leave, with a certificate from the treating doctor or the unit director. The article does not cover partners. Maternity leave is 17 weeks, and fathers have 14 working days of paid paternity leave.

Does EOPYY pay for IVF in Greece?

Partly. EOPYY committees approve up to 4 IVF attempts, at least 4 months apart, for insured women up to 50, with medicines within set dose limits and an allowance for egg collection and embryo transfer. The latest amount we found for a completed attempt at a non-contracted private clinic is 352.16 euro, set in 2019. A November 2025 parliamentary question said most procedure, test and embryo transfer costs remain with the patient, and we found no national IVF voucher scheme in force in November 2026.

Can employees freeze their eggs in Greece?

Yes. Law 4958/2022 allows egg freezing for non-medical reasons and removed the 20-year maximum storage period. Elective freezing is not covered by EOPYY; an October 2025 report put the private cost at 1,500 to 3,000 euro per cycle, plus yearly storage. In November 2025 the Health Minister said cover, possibly partial, was planned for 2026. An employer allowance can cover it.

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 Greek 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.