Kindbody Terms of Service

Item: Kindbody
Rating: 30
Author: Terms.Law Editorial Team

Last updated: December 2024 | Reviewed: February 2026

Vertically integrated fertility clinic and benefits company. Combines clinic services with benefits administration, creating potential conflicts of interest.

Grade D

Bottom Line: Kindbody's vertical integration creates inherent conflicts - they administer benefits AND operate clinics. Terms strongly encourage use of Kindbody's own clinics, aggressive arbitration clauses limit legal recourse, and embryo storage terms place significant liability on patients. The combination of benefit administrator and service provider in one company warrants extra scrutiny.

Category Scores

Coverage Determination 28/100

Embryo Storage Liability 30/100

Treatment Disputes 22/100

Service Termination 35/100

Dispute Resolution 18/100

Key Findings

⚠ Mandatory Arbitration with Class Action Waiver

Kindbody requires binding arbitration for all disputes and includes a class action waiver. This prevents patients from joining together to challenge systematic problems and limits individual legal recourse.

"Any dispute arising from these Terms or your use of Kindbody services shall be resolved through binding arbitration. You waive any right to participate in class action lawsuits."

⚠ Own-Clinic Referral Incentives

As both benefit administrator and clinic operator, Kindbody has incentives to steer patients to their own clinics. Terms may provide better coverage or fewer restrictions when using Kindbody-owned facilities.

"Certain services may only be available or fully covered when provided at Kindbody clinic locations."

⚠ Broad Liability Limitations

Kindbody's terms include extensive liability limitations that may affect both clinic services and benefits administration. The intersection of healthcare provider and benefits administrator creates unique liability gaps.

"Kindbody's total liability shall not exceed the amounts paid by you for services in the twelve months preceding the claim."

⚠ Embryo Disposition Defaults

If patients fail to maintain storage payments or cannot be contacted, Kindbody's terms give them authority to dispose of embryos after specified periods. The procedures for patient notification before disposition warrant careful review.

"If storage fees remain unpaid for 12 months or we cannot contact you, we may dispose of stored materials in accordance with applicable law."

Comparison: Fertility Platforms

Feature	Kindbody	Progyny	Carrot
Business Model	Vertically Integrated	Benefits Only	Benefits Only
Arbitration Required	Yes + Class Waiver	Yes	Yes
Clinic Choice	Prefers Own	Network	Any Clinic
Liability Caps	12 Months Fees	Plan Limits	Benefit Amount
Embryo Disposition	12 Month Default	Facility Terms	N/A

Recommendation

For Patients: Be aware of Kindbody's dual role as benefits administrator and clinic operator. Compare coverage for Kindbody clinics vs. external providers. Review arbitration clause carefully - you may be giving up significant legal rights.

Financial Protection: Get written confirmation of coverage before procedures. Understand embryo storage terms and keep contact information current. Consider whether the convenience of vertical integration is worth the potential conflicts of interest.