Fertility Benefits for Employers in Indonesia

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.

Most employees hide treatment because they fear being seen as less committed. Indonesia has no published survey of fertility treatment at work, so the cost stays invisible in local data as well as in your reports. Global surveys and Indonesian figures show where it lands:

• Resignations. In a 2025 Ferring survey of more than 3,600 employees and employers in Australia, France, Japan, Poland and the UK, 39% of employees with fertility challenges left or considered leaving their role during treatment.
• Lower performance. 55% of 5,000 people surveyed in Canada, India, Mexico, the UK and the US for Carrot’s 2023 Global Fertility at Work report said fertility challenges hurt their work performance.
• Support gaps. Only 24% of working women in a 2024 Populix survey said their company’s support was enough.
• Unequal access. IVF is licensed at 59 hospitals in 15 of Indonesia’s 38 provinces. An employee outside those provinces pays for travel and extra days away on top of a bill that BPJS does not cover.

What employers gain

What IVF costs, and what the state pays

Infertility treatment sits on the list of services that BPJS Kesehatan does not cover, under Presidential Regulation 82/2018 as amended by 59/2024. Most private insurers also exclude egg freezing. Employees pay the bill themselves unless their employer helps.

IVF costs: Fitri Damayanti, UGM doctoral study, July 2021. These are the most recent peer-reviewed figures we found, so treat them as a guide and expect higher prices today. Consumer health sites quote lower base prices of Rp40 million to Rp80 million (Alodokter, February 2025), which usually exclude drugs. Egg freezing: FK Universitas Airlangga via Okezone, June 2026.

Age is one of the strongest predictors of IVF success, alongside individual medical and treatment factors. Indonesia has no recent national success rates by age; a national registry study reports pregnancy rates of 24.6% to 37.3% between 2011 and 2020.

Older data from eight Indonesian centres (1997 to 2001) put the pregnancy rate at 34% for women under 30 and 8% for women over 40 (Medical Journal of Indonesia, 2009). We flag it as dated, but the pattern matches newer data from other countries. Between 2011 and 2020, nearly half of IVF patients in Indonesia (48.9%) were under 35, and many couples need more than one cycle, which is why the size of an allowance, and when employees can use it, matter as much as whether you offer 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 Indonesia’s Personal Data Protection Law (Law 27/2022), which treats health data as specific personal data. Its implementing regulation, Government Regulation 33/2026, takes effect on 16 January 2027 and sets rules for transferring personal data outside Indonesia (SIP Law Firm, 2026).

Clinics and doctors in Indonesia

Zora’s directory lists 29 clinics and 246 doctors in Indonesia. Locations include Jakarta, Tangerang and Surabaya. Of these clinics, 27 list IVF and 16 list egg freezing.

Employees can browse clinics in Indonesia, see IVF clinics and find a doctor in Indonesia on the Zora app. The directory is for information only and is not an endorsement. See Zora’s employer guides for every country.

Rules and eligibility in Indonesia

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

Does BPJS Kesehatan cover IVF?

No. Treatment aimed at infertility is on the list of services BPJS Kesehatan does not cover, so employees pay for IVF in full unless their employer helps.

Is fertility leave mandatory in Indonesia?

No. There is no statutory fertility or IVF leave. Employees use annual leave, sick leave or unpaid leave unless their employer offers more.

Can an unmarried employee use a company egg freezing benefit?

Some clinics offer egg freezing to unmarried women, but the eggs can later be fertilised only with a legal husband’s sperm, and Government Regulation 28/2024 limits assisted reproduction to married couples. Agree eligibility with your legal team before launch.

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 Indonesia 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.