Zora Health / Employer guide / Peru
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 Peruvian HR leaders should know
- Peru’s total fertility rate was 1.7 children per woman in preliminary results of the 2025 national census, and 1.4 in Lima.
- EsSalud and most private insurers do not cover IVF and public provision is minimal, so most employees pay clinics directly: about S/ 16,000 a cycle in a 2024 clinic estimate.
- Article 7 of the General Health Law allows assisted reproduction only where the genetic and gestational mother are the same person; in June 2025 the Constitutional Court ruled four votes to three for a family that used donor eggs and a surrogate, and the lead judgment urged Congress to legislate.
- There is no fertility leave. Maternity leave is 98 days and paternity leave 10 calendar days under Law 30807; an October 2026 bill would raise paternity leave to 28 days.
- With no general public funding, a fixed annual allowance keeps the employer’s 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.
About 1 in 6 people worldwide are affected by infertility (WHO). A gynaecologist at Lima’s Hospital Loayza, a Ministry of Health hospital, put the figure in Peru at 15% to 20% of people of reproductive age in 2023 (Gestión). We found no Peruvian survey on fertility at work. In Carrot‘s 2023 survey of 5,000 people in Canada, India, Mexico, the UK and the US, 79% were uncomfortable discussing fertility at work.
- Resignations. 39% of employees with fertility challenges in Ferring‘s 2025 survey of more than 3,600 employees and employers 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).
- Late starts. In 2024, Concebir said 60% of its patients were 40 to 45, and most clinics reported an average patient age above 35 (Forbes Perú, July 2024).
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 address some of the reasons employees leave.
Stand out in a tight labour market
65% of Carrot’s 2023 respondents said they would change jobs for fertility benefits (Carrot, 2023). In 2023, Mercado Libre announced it would co-fund 70% of egg freezing for female staff over 33 with more than a year of service, the first employer in Peru to do so according to a headline in Gestión.
Make fertility support financially predictable
Aon projects gross medical cost trend in Peru of 7.2% in 2026, up from 3.6% in 2025 (Aon, 2026). Employers can set annual or lifetime allowances and decide which treatments qualify.
Zora helps employers structure benefits around local treatment costs, Peruvian law and workforce needs, so HR can run the programme within an agreed budget.
Want to see what this would look like for your Peruvian workforce?
What IVF costs, and what the state pays
Peru has no official price survey for fertility treatment. Prices below come from clinic directors quoted in the press.
| Item | Typical private price | Notes |
|---|---|---|
| IVF cycle | About S/ 16,000 | 2024 estimate; about 2.5 months from start to transfer |
| IVF or insemination | US$3,250 to 6,500 | 2023 range; excludes consultations, tests, scans and medication |
| Preimplantation genetic testing | US$3,500 to 3,800 | On top of IVF, 2024 |
| Intrauterine insemination | S/ 4,000 to 6,000 | 2024 estimate |
| Elective egg freezing | About S/ 13,000; from US$3,500 in a separate estimate | Includes tests, scans, hormones, collection and 12 to 15 months of storage; more if collection is repeated |
| Egg storage | About S/ 1,000 a year; US$100 to 250 a year | Annual fee or multi-year package |
Sources: Gestión, May 2024, citing EmbryoFertility; Gestión, July 2023; Forbes Perú, July 2024 for US dollar egg freezing and storage figures.
| Item | Public support (or own savings) | What the employee still carries |
|---|---|---|
| EsSalud (formal employees) | No IVF or insemination cover | The full private price |
| SIS (public insurance) | No general IVF cover | The full private price, unless treated at the INMP |
| Private health plans and EPS | Generally not covered | The full private price, unless the employer adds a benefit |
| Elective egg freezing | None; own savings (not a subsidy) | The full private price plus annual storage |
Sources: Gestión, July 2023, reporting that assisted reproduction is not covered by EsSalud, the SIS or private insurers; Infobae, January 2026, describing the Instituto Nacional Materno Perinatal (INMP) as the only public-sector IVF service. We found no official EsSalud or SIS statement on IVF cover. Bill 6396/2023-CR, filed in November 2023, proposed phased SIS, EsSalud and private cover subject to budget (vLex); we found no record of it becoming law.
Age strongly predicts IVF success, alongside individual medical factors. Across Latin American registry clinics in 2022, including 17 in Peru, the delivery rate per egg collection in fresh IVF or ICSI with a patient’s own eggs was 23.2% at 30 or younger, 18.2% at 34 to 36, 11.7% at 37 to 39 and 4.8% at 40 to 42 (Latin American Registry, 2022 data); we found no published rates for Peru alone.
An employee who starts at 40 may need several private cycles, so the size of an allowance and when employees can use it matter as much as offering one.
Give Employees Access to Fertility Specialists
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 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 Peru:
- Are local-plan employees covered, or only staff on international health plans?
- Do you require an infertility diagnosis before support starts?
- Which fertility clinics can employees use in Lima, Arequipa, Trujillo and other cities, and how do you support staff who live outside Lima?
- How does the benefit work alongside EsSalud and any EPS or private health plan, and does it cover medication, genetic testing and egg or embryo storage?
- How do you handle treatments affected by Article 7 of the General Health Law, such as egg donation and surrogacy, and what legal guidance do you give employees?
- How is health data handled under Law 29733 and DS 016-2024-JUS, how is written consent collected, and what does the employer 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: S/ 225,500 to S/ 638,000 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 Peru’s Personal Data Protection Law (Law 29733) and its 2024 regulation, which treat health data as sensitive data that needs the employee’s written consent.
Clinics and doctors in Peru
Zora’s clinic and doctor directory does not list providers in Peru 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 Peru can still use Zora’s education and the Zora app. Ask us how your team in Peru would use Zora before you launch. See Zora’s employer guides for every country.
Rules and eligibility in Peru
Who can use assisted reproduction
Article 7 of the General Health Law gives everyone the right to infertility treatment and to have children through assisted reproduction, “provided that the condition of genetic mother and gestational mother falls on the same person”, with prior written consent of the biological parents (Ley 26842). The law does not mention marital status, single women or same-sex couples, and Peru has no comprehensive law on assisted reproduction.
Egg donation and surrogacy
On 30 June 2025, the Constitutional Court (Exp. 01367-2019-PA/TC) held that Article 7 bars egg donation and surrogacy where infertility is treatable, but does not regulate absolute and irreversible infertility, which it called a legal gap. In a case involving donor eggs, donor sperm and a gestational carrier, it ruled by four votes to three to annul RENIEC’s decisions blocking the girl’s registration as the intended mother’s daughter and to order her maternal surname corrected. The lead judgment also urged Congress to legislate on assisted reproduction, although that point did not reach the four votes needed to form a ruling (Tribunal Constitucional, El Peruano, January 2026). Surrogacy agreements have no legal validity in Peru (PET BioNews, March 2026). Registry clinics reported 2,008 egg donation cycles in Peru in 2022 (Latin American Registry).
Egg freezing and storage
We found no law setting an age limit or storage period for elective egg freezing. In 2024, clinics estimated 1,000 to 1,200 egg freezing cases a year across at least 20 centres, with demand growing 20% to 30% a year (Forbes Perú). Registry clinics reported 1,795 fertility preservation cycles in 2022 (Latin American Registry).
Maternity and paternity leave, but no fertility leave
Mothers have 98 days of maternity leave, 49 before and 49 after birth, paid as an EsSalud subsidy, with 30 more days for a multiple birth or a child with a disability (Modelo.pe, 2026). Fathers in the public and private sectors have 10 calendar days of paid paternity leave, or 20 to 30 days for premature or multiple births, a seriously ill baby or maternal complications (Andina, July 2018). A bill filed in the Chamber of Deputies in October 2026 would raise the standard paternity leave to 28 days (Bill text).
Discrimination and health data
Dismissal for pregnancy, birth or breastfeeding is null if it happens during pregnancy or within 90 days of birth, once the employer has been told; it is presumed discriminatory unless the employer proves just cause (WageIndicator). Law 30709 of 2017 also bans non-renewal of a contract for pregnancy or breastfeeding, and unequal pay between men and women (Ley 30709). Law 29733 treats health data as sensitive data that needs written consent. Its new regulation, DS 016-2024-JUS of 30 November 2024, has applied since 30 March 2025 and adds 48-hour breach notification (DLA Piper, El Peruano).
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 Peru?
No. Mothers have 98 days of maternity leave and fathers 10 calendar days of paternity leave under Law 30807, and no law gives leave for fertility treatment. Employees can use ordinary sick leave with a medical certificate. Other time off for appointments depends on employer policy.
Do EsSalud or the SIS pay for IVF?
Generally not. Gestión reported in 2023 that IVF and insemination are not covered by EsSalud, the SIS or private insurers, so most patients pay clinics directly. The Instituto Nacional Materno Perinatal in Lima runs the only public-sector IVF service. A 2023 bill proposed phased public cover subject to budget, but we found no record of it becoming law.
Is egg donation legal in Peru?
Article 7 of the General Health Law allows assisted reproduction where the genetic and gestational mother are the same person. In June 2025 the Constitutional Court ruled four votes to three for a family that used donor eggs and a surrogate. Its lead judgment said this excludes egg donation where infertility is treatable, called cases of absolute infertility a legal gap and urged Congress to legislate, although the call to legislate did not reach the four votes needed to form a ruling. Clinics still reported egg donation cycles, and employees should take legal advice.
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 Peruvian 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 Peruvian team. No obligation.
Not ready to talk yet? Explore how Zora works
Sources
- Canal N, INEI: tasa de fecundidad en el Perú cayó a 1.7 (Censos Nacionales 2025, preliminary), 2 June 2026
- Infobae, Perú registra su menor tasa de natalidad histórica (INEI census data), 2 June 2026
- INEI, Comportamiento de los indicadores del mercado laboral, cuarto trimestre 2025
- Latin American Registry of Assisted Reproduction, ART in Latin America: the Latin American Registry, 2022, JBRA Assisted Reproduction 2026;30(2)
- Tribunal Constitucional, Sentencia 176/2025, Exp. 01367-2019-PA/TC, 30 June 2025
- El Peruano, Sin ley expresa pero con derechos: el TC y la gestación por sustitución en Perú, 20 January 2026
- Progress Educational Trust, BioNews, Surrogacy in Peru: what weighs more, love or genetics?, 16 March 2026
- Ley 26842, Ley General de Salud (Jurispol)
- Proyecto de Ley 06396/2023-CR, Ley que garantiza el acceso a técnicas de reproducción humana asistida, 13 November 2023 (vLex)
- Gestión, Infertilidad: ¿cuánto le cuesta a una pareja en Perú tener un hijo?, 2 July 2023
- Gestión, El costo de ser madre después de los 35 años, 11 May 2024
- Forbes Perú, Maternidad frozen: así avanza el negocio del congelamiento de óvulos en Perú, 3 July 2024
- Gestión, Congelar óvulos: esta es la primera empresa en Perú que financia a sus trabajadoras, 26 May 2023
- Aon, Global Medical Trend Rates Report 2026
- Modelo.pe, Licencias laborales en Perú 2026, updated July 2026
- Andina, Es oficial: varones tendrán 10 días de licencia por paternidad (Ley 30807), 5 July 2018
- Proyecto de ley que modifica el artículo 2 de la Ley 29409, licencia por paternidad, October 2026 (LP Derecho)
- WageIndicator Perú, Protección de la maternidad en el trabajo
- Ley 30709, Ley que prohíbe la discriminación remunerativa entre varones y mujeres, 27 December 2017
- DLA Piper, Data Protection Laws of the World: Peru
- El Peruano, Perú fortalece la protección de datos: principales cambios del nuevo reglamento, December 2024
- Infobae, La primera bebé del 2026 en Perú nació en el Instituto Nacional Materno Perinatal mediante fertilización in vitro, 1 January 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.