Shocking Discovery Health

I have been on the Executive Option since its introduction, and was pleased with the new ART benefit. Today after chatting to 2 consultants at the Scheme I was irate to learn that the benefit will not fund your own embryo transfer above the age of 42. They will fund the procedure for you to eventually end up with embryos at age 42, then when you want to transfer the embryos at age 43, you are declined and told only donor embryos are paid for ! The details of this benefit definitely have not been thought through thoroughly....Extremely poor research and development from the actuaries and developers who are supposedly among the best in the industry !