Zora Health / Employer guide / Uzbekistan
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 Uzbek HR leaders should know
- Since 1 October 2024, a 2023 presidential resolution has funded assisted reproduction for up to 100 people a year in a “privileged category”, paid when treatment succeeds. Everyone else pays private clinics directly.
- A full IVF procedure in Tashkent starts at about UZS 15 million (about US$1,260), before drugs, tests and ICSI.
- The 2019 Law on Protection of Reproductive Health of Citizens legalised IVF and sets no age or marital status rule. Surrogacy and embryo donation were left out of the law, and we found no later regulation.
- The Labour Code gives 126 days of maternity leave and childcare leave either parent can take. There is no statutory fertility or paternity leave.
- Outside that small quota, each IVF cycle is paid in full and many patients need more than one, so a fixed allowance keeps the employer’s cost 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 survey of employees in fertility treatment in Uzbekistan. Multi-country evidence suggests many hide it: in Carrot Fertility’s 2023 survey of 5,000 people in Canada, India, Mexico, the UK and the US, 79% said they were uneasy discussing fertility at work.
- Resignations. 39% of employees in fertility treatment had left or were considering leaving their job, in Ferring’s 2025 survey of more than 3,600 employees and employers in Australia, France, Japan, Poland and the UK.
- Lower performance. 55% said fertility challenges had hurt their work performance (Carrot, 2023).
- Self-funded treatment. Outside the state quota, employees pay clinics directly: a full IVF procedure in Tashkent starts at about UZS 15 million, about 2.4 months of the 2025 average wage (Med24.uz; UzDaily).
- Clinic quality. In November 2024, a criminal case was opened against the Tashkent branch of a private IVF centre after dozens of families complained (Kun.uz).
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 remove some of the reasons people leave.
Stand out in a tight labour market
73% of employees facing fertility challenges said a role offering fertility support would appeal to them (Ferring, 2025), and 65% said they would change jobs for fertility benefits (Carrot, 2023).
Make fertility support financially predictable
An annual or lifetime allowance sets the employer’s maximum cost in advance.
Zora helps employers structure benefits around local treatment costs, clinic choice in Tashkent and existing insurance, so HR can run the programme within an agreed budget.
Want to see what this would look like for your Uzbek workforce?
What IVF costs, and what the state pays
About 1 in 6 people worldwide are affected by infertility (World Health Organization). A 2025 Uzbek study estimates that about 200,000 couples (5.6%) are infertile and 30,000 to 35,000 of them need assisted reproduction (Suyarkulova and Babadjanova, 2025).
| Treatment | Setting and date | Reported cost |
|---|---|---|
| IVF, full procedure | Tashkent, Med24.uz, November 2026 | From UZS 15 million (about US$1,260) |
| ICSI | Tashkent, Med24.uz, November 2026 | From UZS 9.5 million (about US$800), on top of IVF |
| IVF package at one private centre | Tashkent, patient reports, November 2024 | About UZS 42.6 million |
| Egg freezing | Tashkent, Med24.uz, November 2026 | Freezing from UZS 1.36 million (about US$114), storage from UZS 160,000 (about US$13) a month; ovarian stimulation and egg collection cost extra |
Sources: Med24.uz, IVF in Tashkent, accessed November 2026; Kun.uz, 8 November 2024. Directory prices are starting prices, so ask clinics for current quotes. US dollar figures use UZS 11,918.98 to US$1, the Central Bank of Uzbekistan official rate for 28 October 2026 (Zamin.uz).
| Item | Public support (or own savings) | What the employee still carries |
|---|---|---|
| IVF and ICSI | Since 1 October 2024, the State Health Insurance Fund reimburses clinics for assisted reproduction for up to 100 people a year in a “privileged category”, which the resolution does not define, when treatment succeeds. We found no wider state funding or insurance cover | Outside the quota, the full cost of each cycle, drugs and tests |
| Egg freezing for non-medical reasons | No public support found | Full cost, including yearly storage |
Sources: Presidential Resolution No. PP-296 of 8 September 2023 (Lex.uz), paragraph 7; Law No. ZRU-528 of 11 March 2019, Articles 8 and 10 (Lex.uz). Confirm current rules with the Ministry of Health and the State Health Insurance Fund.
Age is one of the strongest predictors of IVF success. Uzbekistan publishes no registry success rates by age. For comparison only, the Australia and New Zealand registry (ANZARD) for 2024 reports live births per egg collection in fresh cycles using a woman’s own eggs (excluding freeze-all cycles) of 31.4% under 30, 28.7% at 30 to 34, 19.0% at 35 to 39 and 6.3% at 40 to 44.
Under the 2020 Ministry of Health procedure, a panel of doctors can refer women aged 35 and over for IVF sooner. Older patients often need more cycles, 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 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 Uzbekistan:
- Are local-plan employees covered, or only staff on international health plans?
- Do you require an infertility diagnosis before support starts?
- Which clinics do you work with in Tashkent and other cities, and how do you check their licences and outcomes?
- How does the allowance cover drugs, tests, ICSI and repeat cycles, given that there is no state-funded IVF?
- How do you set eligibility for single employees, donor treatment, egg freezing and treatment abroad, given that Uzbek law does not regulate surrogacy or embryo donation?
- How do you handle employee health data under Uzbekistan’s Law on Personal Data, including its 2026 rules on storing citizens’ data in Uzbekistan and transferring it abroad?
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: UZS 563,750,000 to UZS 1,595,000,000 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 Uzbekistan’s Law on Personal Data (No. ZRU-547 of 2019), which treats health data as special personal data.
Clinics and doctors in Uzbekistan
Zora’s clinic and doctor directory does not list providers in Uzbekistan 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 Uzbekistan can still use Zora’s education and the Zora app. Ask us how your team in Uzbekistan would use Zora before you launch. See Zora’s employer guides for every country.
Rules and eligibility in Uzbekistan
Who can use assisted reproduction
The Law on Protection of Reproductive Health of Citizens (No. ZRU-528, 11 March 2019) gives citizens the right to use assisted reproductive technologies and leaves indications and restrictions to the Ministry of Health; it sets no age or marital status rule (Lex.uz). The Ministry’s procedure of February 2020 requires the voluntary written consent of the man and the woman (Podrobno.uz); we found no rule on treatment for single women. Separately, in 2018 the Muslim Board of Uzbekistan issued religious guidance, which has no legal force, that IVF is acceptable for couples married under Islamic law, in cases of need (Kaktus.media, 2018).
Egg freezing, donors and surrogacy
The Ministry of Health procedure lists cryopreservation among ART methods (Podrobno.uz, 2020). We found no published age or storage limit. Rules on surrogacy and embryo donation were in the 2018 draft law and were removed as premature, so the 2019 law does not regulate them (Current Time, March 2019). We found no later law on either (Anhor.uz, 2020).
Maternity, childcare and paternity leave
The Labour Code (No. ZRU-798, in force since 30 April 2023) gives 126 calendar days of maternity leave: 70 before birth and 56 after, or 70 after a complicated or multiple birth. Childcare leave runs until the child turns 2 with a benefit, and 3 unpaid, and the father, a grandparent, another relative caring for the child or a guardian can take it instead (Article 405) (gov.uz; Labour Code). A bill giving working fathers short paid leave at birth passed its first reading on 5 May 2026 (Tashkent Times; Kun.uz). An earlier five-day version passed a first reading in January 2025 (Gazeta.uz). We found no later reading or signature by November 2026.
Pregnancy and family duties
Article 4 of the Labour Code bans direct and indirect discrimination on grounds including sex and age (Labour Code, Article 4). Article 392 bans refusing to hire a woman or cutting her pay because she is pregnant or has children, and Law No. ZRU-1030, signed on 13 February 2025, added a ban on dismissal on those grounds (Lex.uz; UzDaily). In 2024 Uzbekistan ratified ILO Convention 156 on workers with family responsibilities (Daryo).
Social insurance and health data
Since 1 January 2026, the State Social Insurance Fund pays maternity benefit for public and private sector employees (Cabinet Resolution No. 796 of 17 December 2025). The benefit is 75%, 85% or 100% of average pay depending on insurance record, on earnings up to 10 times the minimum wage (EY; Kun.uz, July 2026). Under the Law on Personal Data (No. ZRU-547 of 2 July 2019), health data is special personal data (DLA Piper). Amendments signed on 26 March 2026 narrowed the 2021 rule that citizens’ data processed online be stored in Uzbekistan: personal data outside the sensitive categories can now be stored abroad in a country on the government’s adequacy list (49, including Singapore, from July 2026) or under approved contract clauses, while sensitive information, including biometric and genetic data, must stay in Uzbekistan. The reports do not say whether health data may now go abroad, so confirm with local counsel before moving it (Kun.uz, March 2026; Kun.uz, August 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 Uzbekistan?
No. The Labour Code has no fertility, IVF or paternity leave. It gives 126 days of maternity leave and childcare leave until the child turns 2 with a benefit, or 3 unpaid, which the father or another relative can take. A bill on short paid leave for fathers at birth passed its first reading in May 2026 and was not law by November 2026. Employees in treatment usually use annual leave, sick leave or unpaid leave.
Does the state pay for IVF in Uzbekistan?
Only for a small group. Since 1 October 2024, the State Health Insurance Fund reimburses assisted reproduction for up to 100 people a year in a “privileged category”, paid when treatment succeeds (Presidential Resolution PP-296 of 2023). We found no wider state funding or insurance cover, so most patients pay private clinics, from about UZS 15 million for a full procedure in Tashkent.
Is egg freezing legal in Uzbekistan?
Cryopreservation is listed among assisted reproduction methods in the Ministry of Health procedure approved in 2020, and Tashkent clinics offer egg freezing as a paid service. We found no published age or storage limit and no public funding for freezing for non-medical reasons.
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 Uzbek 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 Uzbek team. No obligation.
Not ready to talk yet? Explore how Zora works
Sources
- Statistics Agency of Uzbekistan (SIAT), Total fertility rate, 2010 to 2025
- Statistics Agency of Uzbekistan (SIAT), Share of women in total employed, 2024 to 2025
- UzDaily, Average monthly salary in Uzbekistan increased by 18.9% in 2025, 26 January 2026
- Suyarkulova M.E. and Babadjanova G.S., Assisted reproduction in Fergana region and perinatal outcomes, Journal of Clinical and Preventive Medicine, 2025, No. 1
- Med24.uz, IVF in Tashkent: clinics and prices, accessed November 2026
- Kun.uz, Embryos left unattended: were women expecting a child through IVF deceived? 8 November 2024
- Kun.uz, Criminal case initiated against Tashkent IVF center following fraud allegations, November 2024
- Law of the Republic of Uzbekistan On Protection of Reproductive Health of Citizens, No. ZRU-528, 11 March 2019 (Lex.uz)
- Podrobno.uz, Ministry of Health approved the procedure for IVF in Uzbekistan, 10 February 2020
- Current Time, Uzbek Senate approves law legalising IVF, 1 March 2019
- Anhor.uz, Who surrogate mothers from Uzbekistan give birth for, 14 January 2020
- Kaktus.media, Muslim Board of Uzbekistan guidance on artificial insemination, 12 February 2018
- Labour Code of the Republic of Uzbekistan, No. ZRU-798 of 28 October 2022 (Lex.uz)
- Labour Code of the Republic of Uzbekistan, Article 4 (Spinform)
- Government of Uzbekistan (gov.uz), Maternity leave
- Kun.uz, Legislative Chamber approves paid paternity leave in first reading, 7 May 2026
- UzDaily, Uzbekistan introduces ban on dismissal due to pregnancy or having a child, 14 February 2025
- Daryo, Uzbekistan ratifies ILO convention on equal treatment for workers with family responsibilities, June 2024
- EY Uzbekistan, Legislative updates: payroll and labour, December 2025 to January 2026
- Kun.uz, Private-sector maternity benefit recipients nearly double in Uzbekistan after reforms, 2 July 2026
- DLA Piper, Data protection laws of the world: Uzbekistan, January 2025
- Zamin.uz, Central Bank of Uzbekistan exchange rates for 28 October 2026
- ANZARD, Assisted reproductive technology in Australia and New Zealand 2024, August 2026
- Presidential Resolution No. PP-296 of 8 September 2023, On measures to protect maternal and child health and strengthen reproductive health (Lex.uz)
- Gazeta.uz, New Mother and Child Health Centre in Uzbekistan will perform IVF, 8 September 2023
- Law No. ZRU-1030 of 13 February 2025 amending the Labour Code (Lex.uz)
- Tashkent Times, New laws to support fathers and protect workers from workplace violence, 5 May 2026
- Gazeta.uz, Deputies pass bill on paid leave for fathers at birth in first reading, 30 January 2025
- Kun.uz, Uzbekistan amends personal data law to facilitate global payment systems, 27 March 2026
- Kun.uz, Uzbekistan approves 49 countries for simplified personal data transfers, 4 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.