Artificial insemination and filiation

Artificial insemination comprises impregnation of a woman either in vivo or in vitro. It is permitted to inseminate an adult woman of active capacity of up to 50 years of age in accordance with her own wishes.

The costs of services related to embryo transplantation and artificial insemination shall be funded from the state budget for a patient of up to 40 years of age, if the patient has a medical indication for in vitro fertilization. The important consideration that should be borne in mind is that the patient may not be older than 40 as of commencing the procedure.

Persons who do not hold health insurance shall pay out of pocket for the service provided. 100% of the maximum fee chargeable for the service shall be paid for embryo transplantation. 100% of the maximum fee chargeable for the service shall be paid for artificial insemination.

The Health Insurance Fund has entered into agreements with five medical facilities which provide artificial insemination clinic services:

  • Ida-Tallinna keskhaigla naistekliinik (East-Tallinn Central Hospital Center for Infertility Treatment)
  • Lääne-Tallinna keskhaigla naistekliiniku reproduktiivmeditsiini keskus (Western Tallinn Central Hospital Women’s Clinic)
  • AS Nova Vita
  • Elite erakliinik (Elite private clinic)
  • Tartu Ülikooli kliinikumi naistekliinik (University of Tartu women’s clinic).

Since 2018, there is no longer any need to seek compensation for IVF medicines. Women up to the age of 40 (incl.) will receive the medicinal products necessary for extracorporeal insemination at the pharmacy immediately with the 100% discount. At the pharmacy, they must only pay the prescription fee, which is EUR 2.5 as of January 1, 2018, and an amount exceeding the limit of the medicinal product (the reference price is set if the list contains several medicinal products with the same active substance and the way of administration).

Ask your doctor for further information on various medications and extracorporeal insemination.


A child descends from the mother who gave birth to them. Maternity cannot be disputed. The father of the child is a man who conceived the child. Pursuant to legislation, a child is conceived by a man:

  1. who is married to the mother of the child at the time of birth of the child
  2. who has acknowledged his paternity
  3. whose paternity is established by court.

The child is considered a descendant of a married man if he has given his written consent for the artificial insemination of his spouse.

Last amended: 05-02-2018 00:00 | Compiled by: Health Insurance Fund