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Fertility Insurance Program® FIP®
Program Overview We help donors, recipients, and physicians
reduce their risks… Brown & Brown is one of the largest insurance brokers in the world yet one of the very few that specializes in serving those involved with the reproductive medical and infertility treatment process. Our company’s Fertility Insurance Program® is the leading worldwide provider of such insurance to individuals, physicians, clinics, and agencies participating in the human egg donation, gestational carrier (surrogate mother), and in-vitro fertilization process. Most standard health insurance plans do not cover infertility procedures, and their costs and risks can be a major factor in a decision not to receive treatment. Financial loss resulting from unforeseen and uncovered medical expenses related to fertility procedures can be significant. Furthermore, a participant’s death or potential loss of income resulting from a period of disability following complications can be a significant financial concern. Our program offers specialized insurance products to physicians, clinics, and agencies which in turn provide them to their patients and clients. This allows them to protect their clients against many of the financial risk factors that might be of concern. Brown & Brown’s Fertility Insurance Program® may make the difference in helping a patient or client decide to go forward with fertility treatment. Perhaps most importantly, a patient or client who has this protection is less likely to sue a provider for these financial damages. - Our program offers insurance to egg recipients that protect them from the unforeseen and costly medical expenses of their egg donors (resulting from complications).
- Recipients are also covered for their own medical expenses (resulting from complications) that are not covered by their traditional health insurance.
- Financial loss suffered by patients or clients (resulting from complications) from an in-vitro fertilization procedure or incurred by a gestational carrier (surrogate mother) can also be covered.
- Our program provides coverage for the short and long term disability or death of a participant, donor, or recipient (resulting from complications).
- These unforeseen complications and unexpected medical expenses incurred by a participant, donor, or recipient can increase the professional liability risks to the physician, clinic, and agency.
- Our program provides insurance to reduce these risks.
Besides meeting the insurance needs of patients and clients, we serve fertility specialists and agencies too. As one of the leading healthcare insurance brokers in the world, Brown & Brown has the expertise and market clout with insurance companies to provide fertility specialists with a wide array of choices for superior coverage at competitive premiums. Many fertility specialists find that Malpractice / Professional Liability coverage is very difficult to obtain or, when available, is simply cost prohibitive. Brown & Brown has the experience, knowledge and resources to address and solve the insurance challenges faced by those involved with infertility treatment. Coverage Available:
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