Zora Health / Employer guide / Thailand
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 Thailand HR leaders should know
- Thailand’s total fertility rate fell to 1.0 in 2024, and registered births dropped to 462,240, the first year below 500,000 since 1949.
- Public infertility cover is a 3-year pilot under the Universal Coverage (Gold Card) scheme, approved in March 2024 for legally married Thai women aged 30 to 40. Under an NHSO payment notice in force since 10 October 2025 (Department of Health, 2025), the scheme pays a flat ฿100,000 for a course of IVF or ICSI, covering genetic testing and up to 2 embryo transfers. Most private-sector employees are in the Social Security scheme, where we found no IVF benefit.
- Private IVF costs about ฿100,000 to 250,000 per cycle and ICSI about ฿200,000 to 300,000, according to Ministry of Public Health figures reported in 2025. Employees usually pay this themselves.
- The 2015 assisted reproduction law still refers to a husband and wife. Same-sex marriage has been legal since 23 January 2025, and a draft amendment to open assisted reproduction and surrogacy to all married couples went to public consultation in July 2026. We found no report that it had become law by November 2026.
- A fixed annual allowance keeps the budget predictable while Aon projects medical costs in Thailand to rise 14.8% in 2026.
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 Thai survey on how employees manage fertility treatment at work, whether they hide it, or how many leave. The closest evidence is a 2025 survey by Ferring Pharmaceuticals of more than 3,600 employees and employers in Australia, France, Japan, Poland and the UK. In that survey, 67% of people who had experienced fertility challenges said their workplace offered no support for employees in treatment.
- Resignations. In the Ferring 2025 survey (Australia, France, Japan, Poland and the UK), 39% of employees in treatment had left or considered leaving their job.
- Lower performance. Monitoring scans, egg collection and transfers fall on short notice, often during working hours, and repeat cycles stretch this over months.
- Public cover rarely reaches your staff. The Gold Card scheme covers Thai citizens who are not covered by other government programmes (Time Out Bangkok, 2026). Most private-sector employees are in Social Security instead. The 2024 infertility pilot sits under the Gold Card.
- Unequal access. Thai law limits assisted reproduction to married couples, and the 2015 Act still uses the words “husband and wife”. A draft amendment would replace them with “spouses” to match the marriage equality law (The Nation, July 2026). Until it passes, single employees and same-sex married couples cannot use IVF in Thailand (HalaThai, September 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. The Gold Card pilot targets women aged 30 to 40, and the head of a hospital infertility centre in Ubon Ratchathani told Bangkok Biz News in July 2024 that pregnancy success rates fall with age. Those are often the years when employees move into senior roles. 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
In the Ferring 2025 survey (Australia, France, Japan, Poland and the UK), 73% of people experiencing fertility challenges said they would be attracted to a role that offers fertility support. Thailand is heading for a smaller workforce: researchers at Mahidol University project 22.8 million workers in 50 years if current trends continue (Bangkok Post, 2025). About 59% of Thai women aged 15 and over were in the labour force in 2024, on modelled ILO estimates published by the World Bank. Few Thai employers publish a fertility benefit, so a clear policy is easy for candidates to notice.
Make fertility support financially predictable
Aon projects medical costs in Thailand to rise 14.8% in 2026 and 11.7% in 2027, against Asia Pacific averages of 11.3% and 9.7%. WTW puts the Thai trend at 10.8% for both 2025 and 2026. A fixed allowance sits outside the insured plan, so the cost does not compound with premium increases.
Zora helps employers structure benefits around local treatment costs, set clear eligibility, and give employees expert guidance before they spend, so HR can run the programme within an agreed budget.
Want to see what this would look like for your Thailand workforce?
What IVF costs, and what the state pays
Most IVF in Thailand is paid for privately. Prices vary widely between public hospitals, specialist clinics and international hospitals, and quoted packages often exclude medication, frozen transfers and genetic testing.
| Treatment | Typical cost | Basis |
|---|---|---|
| IVF, per cycle | ฿100,000 to 250,000 | Ministry of Public Health figure, reported May 2025 |
| ICSI, per cycle | ฿200,000 to 300,000 | Ministry of Public Health figure, reported May 2025 |
| ICSI at Bangkok private clinics and hospitals, including medication | ฿180,000 to 450,000 | Clinic price comparison, 2026 |
| Each additional frozen embryo transfer | ฿40,000 to 80,000 | Clinic price comparison, 2026 |
| PGT-A genetic testing | ฿15,000 to 25,000 per embryo | Clinic price comparison, 2026 |
Sources: The Nation, 17 May 2025 citing the Ministry of Public Health; LIFE by Dr. Pat, IVF cost Thailand 2026 (a clinic’s own comparison, used for add-on costs only). We could not verify a published price for elective egg freezing in Thailand, so it is left out of this table.
| Item | Public support (or own savings) | What the employee still carries |
|---|---|---|
| IUI and IVF under the Gold Card pilot | Approved in March 2024 as a 3-year pilot for Thai Gold Card members: legally married women aged 30 to 40 with an infertility diagnosis. Up to 3 IUI attempts, then IVF with 1 to 2 embryo transfers at 17 public units, for patients who cannot be treated with IUI. Since 10 October 2025 (Department of Health, 2025) the NHSO pays a flat ฿100,000 for a course of IVF or ICSI, covering genetic testing and up to 2 embryo transfers, and up to ฿4,000 per IUI cycle with stimulation drugs, for up to 3 IUI cycles in 12 months. | Most private-sector employees are in Social Security and outside the Gold Card. Private ICSI often costs more than the ฿100,000 rate. We found no published figures on how many patients have been treated under the pilot. |
| Social Security (private-sector employees) | We found no IVF or IUI benefit. Published pregnancy benefits for insured employees cover antenatal check-ups, a ฿15,000 childbirth payment and child allowance. | The full cost of private treatment. |
| Elective egg freezing | Own savings only (not a subsidy). | The full cost of stimulation, retrieval and storage. |
| Time off for appointments | No statutory fertility leave identified. | Annual leave, sick leave or unpaid leave, unless the employer policy says otherwise. |
Sources: Thai PBS, 25 March 2024 and The Coverage, March 2024 on the National Health Security Board decision of 20 March 2024; Department of Health indicator report, 2025, summarising the NHSO notice on infertility treatment payments B.E. 2568; Thairath, July 2026 on Social Security pregnancy benefits; Time Out Bangkok, June 2026 on Gold Card eligibility. The pilot targeted about 4,150 people at launch.
Age is one of the strongest predictors of IVF success, alongside individual medical and treatment factors. We could not find published national IVF success rates by age for Thailand; the head of a hospital infertility centre in Ubon Ratchathani told Bangkok Biz News in July 2024 that success rates fall with age and that before 35 is a good time to become pregnant.
The Gold Card pilot stops at 40, and private cycles at ฿100,000 or more each add up quickly when a second or third attempt is needed, 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 Thailand on the Zora app include GenPrime Genea Thailand, Takara IVF Bangkok and Smile IVF Clinic.
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 Thailand:
- Are local-plan employees covered, or only staff on international health plans?
- Do you require an infertility diagnosis before support starts?
- Which IVF clinics in Bangkok and in regional cities such as Chiang Mai can employees use, and do you know their current package prices?
- How does the benefit apply to employees in the Social Security scheme, and to any staff eligible for the Gold Card infertility pilot?
- How will eligibility work under the 2015 ART Act today, and how will you update the programme if the draft amendment for all married couples becomes law?
- How is employee health data stored, who can see it, and how do you obtain explicit consent under Thailand’s PDPA?
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: ฿3,382,500 to ฿9,570,000 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 Thailand’s Personal Data Protection Act B.E. 2562 (2019), which treats health data as sensitive personal data requiring explicit consent.
Clinics and doctors in Thailand
Zora’s directory lists 29 clinics and 69 doctors in Thailand. Locations include Bangkok and Sri Racha. Of these clinics, 27 list IVF and 21 list egg freezing.
Employees can browse clinics in Thailand, see IVF clinics and find a doctor in Thailand 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 Thailand
Who can use assisted reproduction
The Protection of Children Born by Medically Assisted Reproductive Technology Act B.E. 2558 (2015) limits treatment to married couples. Commercial surrogacy is banned. Altruistic surrogacy requires a Thai couple, or a couple with one Thai spouse married for at least 3 years, and the surrogate must be a blood relative of one spouse (Kathmandu Post, January 2025). Sex selection is prohibited except to avoid a sex-linked genetic disease (HalaThai, 2026).
Single women can freeze eggs, with limits on use
Clinic and consumer guides reviewed in 2026 say single women can freeze eggs in Thailand, but cannot use IVF while unmarried (HalaThai; LIFE by Dr. Pat). Frozen eggs cannot be fertilised in Thailand without a marriage and cannot be exported (HalaThai). Employees who freeze eggs pay the full cost themselves.
Marriage equality and the draft surrogacy amendment
Same-sex marriage took effect on 23 January 2025, but the 2015 ART Act was not amended at the same time (Kathmandu Post). The Department of Health Service Support drafted changes that would open assisted reproduction and surrogacy to all registered spouses, allow foreign married couples to use surrogacy where the surrogate shares the nationality of one spouse, and allow export of eggs, sperm and embryos with committee approval. It would replace “husband and wife” with “spouses” in the law. Public consultation ran from 2 to 31 July 2026 (The Nation; The Star, July 2026). We found no report that the amendment had become law by November 2026.
Infertility treatment under the Gold Card
On 20 March 2024 the National Health Security Board approved infertility treatment as a 3-year pilot benefit for Gold Card members: legally married Thai women aged 30 to 40 with an infertility diagnosis (Thai PBS). Treatment runs in 3 levels, from counselling to IUI and then IVF at 17 public units. An NHSO payment notice in force since 10 October 2025 sets a flat ฿100,000 for a course of IVF or ICSI, covering genetic testing and up to 2 embryo transfers (Department of Health, 2025). The scheme serves Thai citizens outside other government schemes, so most private-sector employees fall under Social Security instead.
Maternity leave, fertility leave and health data
Since 7 December 2025, maternity leave is up to 120 days per pregnancy, up from 98, and the employer pays full wages for up to 60 days (Tilleke & Gibbins, November 2025). The same Labour Protection Act amendment gives a spouse up to 15 days of paid leave within 90 days of the birth, and a mother up to 15 more days at 50% pay to care for a newborn with a serious medical condition (BDO Thailand). We found no statutory fertility or IVF leave. Under the Personal Data Protection Act, in full force since 1 June 2022, health data is sensitive and generally needs explicit consent; administrative fines reach ฿5 million (DLA Piper).
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 Thailand?
No statutory fertility or IVF leave was identified in Thai labour law. Employees usually use annual leave, sick leave or unpaid leave for appointments unless their employer’s policy provides paid time off. Since 7 December 2025, maternity leave is up to 120 days, with the employer paying full wages for up to 60 days.
Does the government pay for IVF in Thailand?
Only in a limited pilot. In March 2024 the National Health Security Board approved infertility treatment under the Gold Card for legally married Thai women aged 30 to 40 with a diagnosis, including up to 3 IUI attempts and IVF at public units. Since 10 October 2025, under an NHSO payment notice (Department of Health, 2025), the scheme pays a flat ฿100,000 for a course of IVF or ICSI, covering genetic testing and up to 2 embryo transfers. Most private-sector employees are in the Social Security scheme, where we found no IVF benefit, so they generally pay for IVF themselves.
Can single employees or same-sex couples use IVF in Thailand?
Not under current law. The 2015 ART Act limits treatment to married couples and still refers to a husband and wife; it was not amended when same-sex marriage took effect in January 2025. A draft amendment opening treatment to all registered spouses went to public consultation in July 2026. Single women can freeze eggs.
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 Thailand 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 Thailand team. No obligation.
Not ready to talk yet? Explore how Zora works
Sources
- Bangkok Post, Experts urge action as declining birth rate set to hit Thai workforce, 2025
- Khaosod English, Thailand’s population drops below 66 million as births hit 75-year low, January 2025
- Thai PBS, NHSO Board adds infertility treatment to Gold Card benefits, 25 March 2024
- The Coverage, NHSO Board approves infertility treatment as a benefit, March 2024
- Bangkok Biz News, NHSO prepares infertility benefit under the Gold Card for fiscal year 2025, July 2024
- Time Out Bangkok, Gold Card hormone therapy and eligibility, June 2026
- The Nation, DHSS backs surrogacy law reform, 17 May 2025
- LIFE by Dr. Pat, IVF cost Thailand 2026
- HalaThai, IVF in Thailand: the law, the costs and the real success rates in 2026
- The Star, Thailand begins public consultation on revised surrogacy bill, 20 July 2026
- Kathmandu Post, What after same-sex marriage in Thailand, 28 January 2025
- DLA Piper, Data protection laws of the world: Thailand
- Aon, APAC medical cost growth projected to slow to 9.7% in 2027, October 2026
- WTW, 2026 Global Medical Trends Survey, Asia Pacific, November 2025
- Department of Health, Ministry of Public Health, indicator 3.16 report summarising the NHSO notice on infertility treatment payments B.E. 2568, 2025
- The Nation, Thailand begins public consultation on revised surrogacy bill, 19 July 2026
- Thairath, Social Security pregnancy and childbirth benefits, 5 July 2026
- Tilleke & Gibbins, Thailand expands family leave rights and strengthens worker protections, November 2025
- BDO Thailand, Key updates to Thailand’s Labor Protection Act (2025)
- World Bank, Labor force participation rate, female (modeled ILO estimate), Thailand
- 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.