The changes in the local socioeconomic environment have led to dramatic decrease in low birthrate in Taiwan. Although assisted reproduction technology may partially solve the low birthrate problem island wide implementing such a technology is prohibitively expensive. Social health and commercial insurance policies can effectively diversify the risks that policy holders incur when attempting to have babies via assisted reproduction technology. While reviewing adoption of assisted reproductive technology in Japan and Taiwan this study examines the effectiveness of this technology. The status of related insurance systems in Japan is also examined. A comparison in this study of the systems in these two countries provides a valuable reference for policy makers involved in insurance planning in Taiwan.