Zora Health / Employer guide / Philippines
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 Philippine HR leaders should know
- PhilHealth has no benefit package for IVF, and a 2026 consumer price guide puts a basic private cycle at about ₱250,000 to 350,000 before medication, which adds ₱50,000 to 150,000 (ClinicFinderPH, 2026).
- The Philippines has no law that regulates assisted reproduction. Bills on infertility cover and on ART and surrogacy have been filed in Congress since 2022, and none had become law as of November 2026.
- The total fertility rate fell to 1.7 for 2023 to 2025, down from 1.9 in 2022, according to preliminary 2025 National Demographic and Health Survey results.
- Women get 105 days of paid maternity leave, married fathers get 7 days of paternity leave, and there is no statutory leave for fertility treatment.
- Aon projects medical costs in the Philippines to rise 14% in 2026, so a capped annual fertility allowance keeps the 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.
We found no published Philippine survey on hiding fertility treatment at work. In a Carrot 2023 survey of 5,000 people in Canada, India, Mexico, the UK and the US, 79% felt uncomfortable discussing fertility at work. Philippine law has no fertility leave, so employees who need time off for treatment use other leave (Biana, 2025).
- Resignations. 39% of employees with fertility challenges left or considered leaving their job during treatment (Ferring, 2025, a survey of more than 3,600 people in Australia, France, Japan, Poland and the UK).
- Lower performance. 55% said fertility challenges had hurt their performance at work (Carrot, 2023).
- No legal framework. The Philippines has no ART statute (Biana, 2025), and we found no official national ART registry. The latest published count is about 9,000 ART procedures in 2019, a Philippine Society of Reproductive Medicine figure cited in 2023 coverage of House Bill 8301 (PNA); no newer national figure has been published.
- Unequal access. Treatment is paid out of pocket, so access depends on income. Most HMO plans exclude IVF, and the IVF clinics listed in one 2026 price guide are all in Metro Manila, Cebu or Davao (ClinicFinderPH, 2026).
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. In the Philippines, age-specific fertility is highest among women aged 25 to 29, followed by 30 to 34 (PSA, 2025 NDHS), the years when employees build skills and move into management. A written policy, paid time off and a funded allowance can help address barriers that contribute to employee attrition.
Stand out in a tight labour market
73% of employees with fertility challenges said they would be attracted to a role that offers fertility support (Ferring, 2025), and 65% said they would change jobs for fertility benefits (Carrot, 2023). Female labour force participation in the Philippines was 53.7% in 2025 (BusinessWorld, March 2026).
Make fertility support financially predictable
An annual or lifetime allowance, with eligible treatments listed in the policy, sets the maximum cost in advance. Aon projects gross medical costs in the Philippines to rise 14% in 2026 and 11% in 2027 (October 2026 report).
Zora helps employers structure benefits around local treatment costs, from diagnostic tests and IUI to IVF cycles, medication and embryo or egg freezing that PhilHealth and most HMO plans exclude, so HR can run the programme within an agreed budget.
Want to see what this would look like for your Philippine workforce?
What IVF costs, and what the state pays
PhilHealth has no benefit package for IVF or other assisted reproduction. We found no PhilHealth circular that covers it, and a 2025 peer-reviewed article and a 2026 consumer price guide both report that it is not covered (Biana, 2025; ClinicFinderPH, 2026). PhilHealth pays case rates for some related surgery, such as ovarian cystectomy (₱23,300 in 2022, PhilHealth, 2022), and covers supervision of a pregnancy with a history of infertility as a maternal comorbidity, worth about US$150 (Biana, 2025). Employees pay for treatment themselves unless their employer helps.
| Treatment | Typical private cost | Notes |
|---|---|---|
| IVF, basic cycle fee | ₱250,000 to 350,000 | Before medication; hospital-based centres ₱350,000 to 500,000 |
| IVF medication | ₱50,000 to 150,000 | Depends on protocol and response |
| IVF, all-inclusive package (Kato Repro Biotech Center) | ₱350,000 to 450,000 | Quoted in January 2024 |
| IVF package, St. Luke’s Medical Center | From ₱160,000 | Net of a 20% discount, posted July 2025; inclusions not listed |
| Embryo freezing | ₱20,000 to 50,000 | Plus ₱10,000 to 20,000 a year for storage |
Sources: ClinicFinderPH, IVF Cost in the Philippines, 2026; Tatler Asia, January 2024; St. Luke’s Medical Center, July 2025. A 2025 peer-reviewed article put one IVF cycle at about ₱500,000 excluding medication (Biana, 2025). We found no verified published price for elective egg freezing, so it is not shown.
| Item | Public support (or own savings) | What the employee still carries |
|---|---|---|
| IVF and ICSI | None. PhilHealth does not cover them | Full cost of each cycle and its medication |
| IUI and fertility tests | None for treatment; some HMO plans cover diagnostic work-ups | Treatment cost, and tests where the plan excludes them |
| Surgery for related conditions | PhilHealth case rates for procedures such as ovarian cystectomy | Balance above the case rate in private hospitals |
| Egg or embryo freezing and storage | None | Full cost, plus storage fees every year |
| Public IVF programme | None found. In 2021 Fabella hospital said it aimed to set up an infertility centre for low-income patients | Private clinic fees |
Sources: ClinicFinderPH, 2026; Biana, Frontiers in Sociology, 2025; PhilHealth, 2022; Philstar, June 2021. There is no tax relief for fertility treatment in the Philippines that we could verify.
Age is one of the strongest predictors of IVF success, alongside individual medical and treatment factors. The Philippines publishes no national IVF success rates by age. For comparison, in Japan (not Philippine data), live births per registered cycle peaked at 23.8% at age 29 in 2023 and fell below 10% from age 41 (Japan Society of Obstetrics and Gynecology, 2023 report).
Many couples need more than one cycle, each paid in full out of pocket, which is why the size of an allowance, and when employees can use it, matter as much as whether you offer one.
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 the Philippines on the Zora app include Kato Repro Biotech Center, Conceive IVF Philippines and CARE IVF Philippines.
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 teams across Asia
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
Most RFP templates were written for the US. Ours has 40 questions written for Asia, with why each one matters, what a good answer looks like and a scoring sheet for three providers. Six of the questions for the Philippines:
- Are local-plan employees covered, or only staff on international health plans?
- Do you require an infertility diagnosis before support starts?
- Which fertility clinics do you work with in Metro Manila, Cebu and Davao, and how do you support employees outside those cities?
- With no ART law in the Philippines, how do you vet clinics, and how do you handle eligibility rules that clinics apply, such as marriage?
- How does the allowance work alongside PhilHealth case rates and our HMO plan, for example for diagnostic tests or related surgery?
- How do you obtain consent for and process health information as sensitive personal information under the Data Privacy Act of 2012, and what reports 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: ₱2,706,000 to ₱7,656,000 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 Philippines’ Data Privacy Act of 2012, which treats health information as sensitive personal information.
Clinics and doctors in the Philippines
Zora’s directory lists 18 clinics and 30 doctors in the Philippines. Locations include Makati, Manila and Quezon City. Of these clinics, 14 list IVF and 10 list egg freezing.
Employees can browse clinics in the Philippines, see IVF clinics and find a doctor in the Philippines 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 the Philippines
Who can use assisted reproduction
No law regulates assisted reproduction in the Philippines. The Family Code recognises children conceived by artificial insemination as legitimate if both spouses consent in writing (Family Code, Article 164), and Department of Health guidelines from 2010 require ART clinics to register, obtain informed consent and offer counselling (PNA). In practice, clinics follow professional society guidelines that limit treatment to legally married couples using their own eggs and sperm; donor gametes are not permitted, and surrogacy has no legal framework (Biana, 2025).
No legal framework, offered by private clinics
Egg freezing has no specific legal rules, age limits or storage limits. Private hospital centres, including St. Luke’s Medical Center, offer it for fertility preservation, and it is the main option available to unmarried women who want to preserve fertility (Biana, 2025).
Maternity, paternity and solo parent leave
Women get 105 days of paid maternity leave regardless of civil status, 60 days after a miscarriage, an optional 30 unpaid days, and 15 extra paid days for solo mothers; a mother may give up to 7 of her days to the father (RA 11210). Married fathers get 7 days of paid paternity leave for the first four deliveries of a wife they live with (RA 8187). House Bill 9891, reported in June 2026, would raise paternity leave to 105 days, but it is a bill and not yet law (Philstar, June 2026). Solo parents with 6 months of service get up to 7 working days of paid parental leave a year (RA 11861). There is no statutory fertility treatment leave.
Gynaecological leave, flexible work and discrimination
The Magna Carta of Women gives women 2 months of leave on full pay after surgery for gynaecological disorders, if they have at least 6 months of aggregate service in the past 12 months (RA 9710, Section 18). It does not cover fertility treatment itself. Telecommuting is voluntary and set by agreement (RA 11165). Employers may not discriminate against women in hiring to avoid maternity benefits, or demote or dismiss them for taking leave (RA 11210, Sections 15 and 16). Health data is sensitive personal information under the Data Privacy Act of 2012.
Proposals in Congress, none enacted
The Family Building Act, filed in November 2022, would require group health plans that cover obstetric care to cover infertility treatment, including IVF (House Bill 6045). House Bill 10500 (June 2024) and House Bill 11259 (reported January 2025) proposed an ART and surrogacy regulator (HB 10500, DZRH), These 19th Congress bills lapsed when that Congress ended in June 2025. In the current 20th Congress, House Bill 1037, refiled in July 2025, would create an ART and surrogacy regulation commission (HB 1037), and House Bill 8467, the Surrogacy Regulation Act, was filed by March 2026 (Daily Tribune). We found no report of either bill clearing committee, and none had become law as of November 2026.
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 the Philippines?
No. Philippine law has no fertility or IVF treatment leave. Employees usually use sick leave or vacation leave. The Magna Carta of Women gives 2 months of paid leave after surgery for gynaecological disorders, but this does not cover IVF itself.
Does PhilHealth cover IVF?
No. PhilHealth has no benefit package for IVF or other assisted reproduction. It pays case rates for some related procedures, such as removal of ovarian cysts. Most HMO plans also exclude IVF, so employees usually pay the full cost of each cycle.
Can single employees or same-sex couples use IVF in the Philippines?
There is no law on this. Clinics follow professional guidelines that limit IVF to legally married couples using their own eggs and sperm. Egg freezing is offered by private clinics and is the main option for unmarried women who want to preserve fertility. An employer allowance can cover egg freezing and fertility tests regardless of marital status.
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 Philippine 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 Philippine team. No obligation.
Not ready to talk yet? Explore how Zora works
Sources
- BusinessWorld, Fertility rate in PHL steadily declines to record low of 1.7, PSA (2025 NDHS preliminary results), March 2026
- Philippine Statistics Authority, Total fertility rate declined from 2.7 in 2017 to 1.9 in 2022
- Biana, H.T., The need for assisted reproductive technology regulations: a case for women in the Philippines, Frontiers in Sociology, March 2025
- ClinicFinderPH, IVF Cost in the Philippines, 2026 price guide
- Tatler Asia, In vitro fertilisation in the Philippines, January 2024
- St. Luke’s Medical Center, Build your family with confidence: IVF at St. Luke’s, July 2025
- Philippine News Agency, House Bill 8301 on ART and surrogacy (PSRM 2019 figures), 2023
- House of Representatives, House Bill 6045, Family Building Act, 19th Congress, November 2022
- House of Representatives, House Bill 10500, ART and surrogacy framework, 19th Congress, June 2024
- DZRH, Rep. JC Abalos on House Bill 11259, ART and Surrogacy Act, January 2025
- Daily Tribune, Solon pushes Surrogacy Regulation Act (House Bill 8467), March 2026
- Manila Bulletin, Sotto seeks 20% discount on pregnancy-related medical services (Senate Bill 1443), March 2026
- Republic Act 11210, 105-Day Expanded Maternity Leave Law, 2019
- Republic Act 8187, Paternity Leave Act of 1996
- Republic Act 9710, Magna Carta of Women, 2009
- Republic Act 11861, Expanded Solo Parents Welfare Act, 2022
- Republic Act 11165, Telecommuting Act, 2018
- Republic Act 10173, Data Privacy Act of 2012
- Philstar, Public hospital goes beyond status quo to expand reproductive health services (Fabella), June 2021
- Aon, APAC medical cost growth projected to slow to 9.7% in 2027, 2026
- BusinessWorld, Female workforce seen held down by expectations of childcare, housework, March 2026
- Japan Society of Obstetrics and Gynecology, Assisted Reproductive Technology in Japan: A Summary Report for 2023, Reproductive Medicine and Biology, 2026 (via RRM Academy synopsis)
- PhilHealth, PhilHealth raises awareness on benefits for women (ovarian cystectomy case rate), March 2022
- Executive Order 209, Family Code of the Philippines, 1987, Article 164
- House of Representatives, House Bill 1037, Assisted Reproductive Technology and Surrogacy Regulation Act, 20th Congress, July 2025
- Philstar, Diokno files PAPA Leave bill, June 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.