Zora Health / Employer guide / Myanmar
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.
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Five things Myanmar HR leaders should know
- We found no public funding for IVF in Myanmar. The state-run Central Women’s Hospital in Yangon has offered IVF since 2016 for a fee, and private clinics in Yangon and Mandalay do not publish prices, so employees pay in full.
- We found no law on assisted reproduction and no published Ministry of Health guideline on IVF, egg freezing or surrogacy. State media said in May 2026 that the hospital’s fertility centre treats married couples.
- Some patients go to Thailand, where IVF is limited to legally married couples, foreign couples included. A 2026 guide puts an ICSI cycle at Thai fertility clinics at ฿150,000 to 350,000 (about US$4,550 to 10,600).
- Insured mothers get 14 weeks of maternity leave paid at 70% of average wages by the Social Security Board, and insured fathers whose wives are also insured get up to 15 days. There is no fertility leave.
- Myanmar is not in the published Aon or WTW medical trend tables, but WTW projects gross medical costs across Asia Pacific to rise 14.0% in 2026, so a fixed allowance keeps a fertility 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.
- 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 had left or were considering leaving their job during treatment.
- Lower performance. In Carrot’s 2023 survey of 5,000 people in Canada, India, Mexico, the UK and the US, 55% said fertility challenges hurt their work performance.
- A thin talent pool. Nearly two-thirds of Myanmar’s overseas migrants are aged 20 to 34, according to the 2024 census as reported by DVB, so employers are competing to keep staff in their prime working years.
What employers gain
Keep the people you spent the most to develop
Replacing an employee costs one-half to two times their annual salary, according to Gallup. A written policy, paid time off and a funded allowance can address some of the reasons people leave.
Stand out in a tight labour market
In Ferring’s 2025 survey, 73% of people with fertility challenges said they would be attracted to a role that offers fertility support, and 65% of Carrot’s 2023 respondents said they would switch to an employer that offers fertility benefits.
Make fertility support financially predictable
Aon projects gross medical costs across Asia Pacific to rise 11.3% in 2026 and 9.7% in 2027, and WTW projects 14.0% for 2026; neither publishes a Myanmar figure. A capped allowance with defined eligible treatments gives finance a fixed number.
Zora helps employers structure benefits around treatment costs in Yangon, Mandalay or Thailand, so HR can run the programme within an agreed budget.
Want to see what this would look like for your Myanmar workforce?
What IVF costs, and what the state pays
IVF in Myanmar is mainly in Yangon. In 2012 Thailand’s Superior A.R.T. agreed to set up a satellite clinic in Yangon with a local partner whose firm had sub-branches in Mandalay and Nay Pyi Taw (The Nation); we found no newer report on that network. The state-run Central Women’s Hospital opened a fertility unit offering IVF and ICSI in February 2016, and its superintendent said fees would be lower than at private hospitals (Myanmar International). By May 2026 the centre had treated more than 5,400 patients (Eleven Myanmar); 2026 reports date the current centre to 2022. We found no published IVF price in kyat from a clinic, hospital or news report.
| Treatment | Typical cost | Notes |
|---|---|---|
| IVF or ICSI, Central Women’s Hospital, Yangon | Fee charged; amount not published | Fertility services are paid; maternity care is free (2016, Myanmar International) |
| IVF at private clinics in Yangon and Mandalay | No published price found | Ask each clinic for a written quote |
| ICSI cycle, Thai fertility clinics | ฿150,000 to 350,000 (about US$4,550 to 10,600) | Published prices, 2026; cheapest packages have age and AMH limits (HalaThai) |
| ICSI cycle, Thai private hospital fertility centres | ฿335,000 to 456,000 (about US$10,150 to 13,820) | Same source |
| IVF package, Bangkok Hospital | ฿313,800 | Stimulation, egg collection and transfer for fly-in patients, valid in 2024 (Bangkok Hospital) |
| Elective egg freezing, Myanmar | No published price found | Confirm availability and storage fees with the clinic |
HalaThai is a consumer guide that compiles clinic prices; US dollar figures are its own. Thai prices exclude flights, accommodation and time off.
| Item | Public support (or own savings) | What the employee still carries |
|---|---|---|
| IVF and IUI | None found. The Social Security Board medical benefit in the US Social Security Administration summary (2018) does not mention infertility treatment | The full cost of every cycle, at home or abroad |
| Tax relief | None found | The full cost |
Age is one of the strongest predictors of IVF success, and Myanmar publishes no success rates by age. For comparison only, the Australia and New Zealand registry (ANZARD) for 2024 reports live births per egg collection in fresh own-egg cycles (excluding freeze-all) of 31.4% under age 30, 28.7% at 30 to 34, 19.0% at 35 to 39 and 6.3% at 40 to 44.
Give Employees Access to Fertility Specialists Across Asia
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 clinics in Myanmar on the Zora app include Ar Yu International Hospital, Motherland Fertility Center and Bahosi Fertility Centre.
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 Myanmar:
- Which clinics can employees use in Yangon and Mandalay, and can the allowance pay for treatment, travel and stays in Thailand?
- Are local-plan employees covered, or only staff on international health plans?
- How do you support employees who are not married, given that the public centre in Yangon and Thai clinics treat married couples only?
- How does the allowance sit alongside Social Security Board maternity and paternity pay, and can it be paid in kyat or US dollars?
- Do you require an infertility diagnosis before support starts?
- With no general data protection law in Myanmar, what standard do you apply to employees’ health data, where is it processed, and what does HR 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: MMK 67,650,000 to MMK 191,400,000 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 the personal data provisions of Myanmar’s Electronic Transactions Law, as amended in 2021, as Myanmar has no general data protection law.
Clinics and doctors in Myanmar
Zora’s directory lists 5 clinics and 5 doctors in Myanmar. Locations include Yangon and Naypyidaw. Of these clinics, 1 lists IVF and 1 lists egg freezing.
Employees can browse clinics in Myanmar, see IVF clinics and find a doctor in Myanmar 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 Myanmar
Who can use assisted reproduction
We found no Myanmar law or published Ministry of Health guideline on eligibility, donation or embryo storage, and in 2017 The Nation reported no clear rules on assisted reproduction or surrogacy. The public fertility centre at the Central Women’s Hospital offers IVF and IUI to married couples (Global New Light of Myanmar, May 2026). Private hospitals and clinics need a licence under the Private Health Care Services Law, amended on 17 February 2026 (Law No. 7/2026) with prison terms and fines for operating without one (Allen & Gledhill).
No local rules found, and Thai rules for treatment abroad
We found no Myanmar rule on egg freezing, age limits, storage periods or surrogacy. In Thailand, IVF is limited to a legally married man and woman, foreign couples included, with an authenticated marriage certificate; single women may freeze eggs but cannot use them in Thailand without marrying, frozen eggs and embryos cannot be exported, and surrogacy is closed to foreign couples (HalaThai, September 2026). In June 2023, Victoria Hospital in Yangon signed an agreement with Samitivej Hospital in Bangkok on IVF care for Burmese patients (Samitivej).
Maternity, paternity and fertility leave
Under the two laws, women get 14 weeks of maternity leave, 6 before and 8 after the birth; insured women get 4 more weeks for twins, and 6 weeks after a miscarriage (Tilleke & Gibbins, 2019). Insured women with 6 months of contributions in the past 12 are paid 70% of average wages by the Social Security Board, on wages capped at MMK 300,000 a month. An insured husband of an insured woman gets up to 15 days of paternity leave at 70%; if his wife is uninsured, he receives a lump-sum paternity grant (US SSA, 2018; still current in QHRM’s 2026 guide). There is no fertility or IVF leave.
Equal treatment, call-ups and the operating environment
Employers may not discriminate on grounds of race, birth, religion or sex, according to a labour law summary by Lann Pya. We found no statutory protection on marital status and no legal right to flexible work. The People’s Military Service Law, in force since 10 February 2024, applies to men aged 18 to 35 and women aged 18 to 27, with married women exempt (Rahmat Lim & Partners). Rules issued on 23 January 2025 (Notification No. 2/2025) require employers to keep paying called-up employees, and the law requires reinstatement on return (DFDL). Elections were held in late December 2025 and January 2026, parliament convened on 16 March 2026 (The Star), and Min Aung Hlaing was sworn in as president on 10 April 2026 amid continuing armed conflict (Daily Maverick).
Health data and digital rules
Myanmar has no standalone data protection law. The 15 February 2021 amendments to the Electronic Transactions Law added a short personal data chapter with a national security exception for government access (Tilleke & Gibbins). Data must be kept secure, used for its original purpose and not disclosed without consent; health data has no separate category (Multilaw guide, 2025). The Cybersecurity Law No. 1/2025, in force since 30 July 2025, requires licences for digital platforms with over 100,000 users and approval for VPN providers (Tilleke & Gibbins).
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 Myanmar?
No. Myanmar law has no fertility or IVF leave. Employees usually use earned, casual or medical leave unless the employer offers more. Women get 14 weeks of maternity leave, and insured fathers can get up to 15 days of paternity leave.
Does the Social Security Board cover IVF in Myanmar?
We found no IVF or IUI benefit under the Social Security Board. The state-run Central Women’s Hospital in Yangon offers IVF to married couples for a fee, and private clinics charge in full, so employees pay unless their employer helps.
Can employees freeze eggs in Myanmar or Thailand?
We found no Myanmar rule on egg freezing and no published local price, so ask the clinic in writing about availability, age limits and storage. In Thailand single women can freeze eggs, but they cannot use them there without marrying, and the eggs cannot be exported.
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 Myanmar 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 Myanmar team. No obligation.
Not ready to talk yet? Explore how Zora works
Sources
- DVB, Five key takeaways from Myanmar’s 2024 census, 27 October 2025
- The Nation, 145 townships covered, 58 uncounted in 2024 Myanmar population census, January 2025
- Global New Light of Myanmar, Central Women’s Hospital Fertility Centre, 28 May 2026
- Eleven Myanmar, Yangon Women’s Hospital expands fertility treatment services, 26 May 2026
- Myanmar International, Fertility Centre: Central Women’s Hospital launches new facility, 5 February 2016
- The Nation, Surrogacy problem sneaks across the border, April 2017
- The Nation, Superior A.R.T takes assisted reproduction to Myanmar, September 2012
- Samitivej Hospital, Samitivej and Victoria Hospital in Myanmar sign memorandum, July 2023
- Bangkok Hospital, IVF package prices, 2024
- HalaThai, IVF in Thailand: the law, the costs and the real success rates, updated September 2026
- US Social Security Administration, Social Security Programs Throughout the World: Asia and the Pacific, Burma, 2018
- Tilleke & Gibbins, Managing employees in Myanmar: pay, time and other requirements, October 2019
- QHRM, Myanmar maternity leave 2026: what HR must know (HR software guide)
- Lann Pya, Women-related laws in Myanmar
- Rahmat Lim & Partners, Myanmar implements National Service Law, March 2025
- DFDL, Myanmar People’s Military Service Rules, February 2025
- Allen & Gledhill, Myanmar amends Private Healthcare Services Law, March 2026
- Tilleke & Gibbins, Myanmar amends legislation on the privacy and security of citizens amid state of emergency, February 2021
- Multilaw, Data protection laws guide: Myanmar, 2025
- Tilleke & Gibbins, Myanmar Cybersecurity Law takes effect, August 2025
- The Star, Parliament meets for the first time in five years, 18 March 2026
- Daily Maverick (Reuters), Myanmar’s new president sees challenges ahead, 10 April 2026
- WTW, Double-digit medical cost increases projected to persist into 2026 in Asia Pacific, November 2025
- Aon, APAC medical cost growth projected to slow to 9.7% in 2027, October 2026
- ANZARD, Assisted reproductive technology in Australia and New Zealand 2024, August 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.