Many couples cannot naturally fulfill their desire to have children. The statutory health insurance companies only pay half of the costs of artificial insemination and only for married couples. In addition, there are further restrictions regarding the age and number of attempts at artificial insemination.
A federal subsidy for the costs not reimbursed by the SHI is planned, but has not yet been adopted and is also tied to the same conditions as the cost sharing of the statutory health insurance funds. Most couples with statutory health insurance must pay for their share or, if they are not married, the entire cost of the treatment. Borrowing is not necessary for members of private health insurance, since the private health insurance pays the costs of the desire to have children almost completely and even without marriage certificates.
Funding through the clinic
Before couples take out a loan for the desire to have children, they ask the clinic about the possibility of paying in installments. Hospitals specializing in artificial insemination know the difficulty of paying their bill in one sum and, with a few exceptions, offer payment in installments. The installment payment agreement with the clinic is usually cheaper than taking out an external loan, but almost all hospitals limit the term for installment payments to between six months and a year. Some clinics allow their patients who wish to have children to pay in installments over two years, but longer terms must always be covered by a loan for the desire to have children.
The loan for the desire to have children
A loan to fulfill the wish to have children is required if payment in installments cannot be agreed with the clinic. In rare cases, the reason for this is that the selected clinic generally refuses payment by installments and often that couples who want to have children want a longer loan term than that offered by the hospital. When calculating the possible repayment, which indirectly results in the term, couples consider that the hoped-for success of the measure will change their financial situation.
After the child is born, the parental allowance initially replaces a salary payment, later most mothers who have become pregnant after an artificial insemination do not work full-time, but either not at all or in part-time employment.
This reduces income, so that couples apply for a sufficiently long loan term and correspondingly low rates when applying for a loan for the desire to have children. A desire to have children that cannot be fulfilled in a natural way is one of the reasons on platforms for arranging private loans, for which it is particularly easy to grant loans on extremely favorable terms. The basis for this is that private lenders consider the reason for a loan applied for as the most important decision-making criterion for their lending and they consider a loan for the desire to have children as particularly worthy of support.