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How much does IVF cost in Australia?

A single IVF treatment can cost over $8,000 in Australia. Here’s how Medicare and private health insurance can help.

Compare health insurance for IVF

The policies listed in this table all provide cover for IVF and come with a 12-month waiting period. They come with heaps of other benefits too, so don't forget to click "All treatments" for a better look. All prices are based on a single individual with less than $93,000 income and living in Sydney.

1 - 10 of 17
Name Product Treatments Price Apply
Gold Top Hospital Excess $750/$1500
Gold$750 excess
Health Insurance Fund of Australia Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$241.03
per month
Go to Site
All treatments
Medibank Gold Protect
Gold$750 excess
Medibank Private Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$242.50
per month
Go to Site
All treatments
HCF logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$245.63
per month
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All treatments
Silver Plus Family Hospital 750
Silver Plus$750 excess
AIA Health Insurance Pty Ltd logo
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +28 other treatments covered
$246.31
per month
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All treatments
Frank Gold Hospital
Gold$750 excess
Frank Health Insurance logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$247.02
per month
Go to Site
All treatments
GMHBA Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$249.55
per month
Go to Site
All treatments
Gold Top Hospital Excess $500/$1000
Gold$500 excess
Health Insurance Fund of Australia Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$250.45
per month
Go to Site
All treatments
Medibank Gold Protect
Gold$500 excess
Medibank Private Limited logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$260.74
per month
Go to Site
All treatments
HCF logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$265.19
per month
Go to Site
All treatments
Qantas Insurance logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$265.23
per month
Go to Site
All treatments
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The policies listed in this table are all Finder partners.

How much does IVF cost?

According to the Department of Health, the median cost of IVF in Australia is $8,015. That cost will vary between providers and it doesn't take into account any additional treatments or services that you might need.

If you're entitled to Medicare, the bill will be much lower. That's because Medicare pays towards the cost of IVF as long as you have a referral from your doctor.

TreatmentMedian costMedicare rebate
Initial IVF cycle$8,015$3,027.35
Subsequent IVF cycle$7,950$2,826.35

The Medicare rebate shown applies if you have not reached the Medicare Safety Net. If you have reached the threshold, you may receive a larger benefit from Medicare.

What other costs are associated with IVF?

In addition to the actual IVF procedure, there are other medical expenses associated with IVF. We've listed some common examples in the table below, but be aware that these costs may vary depending on your own health history, location and medical practitioner.

TreatmentMedian costMedicare rebate
Specialist appointment$168$73.85
Anaesthetist appointment$75$37.15
Anaesthesia$304$67.35
ICSI$812$355.30
Frozen embryo transfer$2,510$710.15
Embryo transfer$204$94.45
Ovulation monitoring$900$413.75
Egg retrieval$389$301.30

Source: The Department of Health, 16 October 2020. The Medicare rebate shown applies if you have not reached the Medicare Safety Net. If you have reached the threshold, you may receive a larger benefit from Medicare.

Is IVF covered by Medicare?

Yes, the cost of IVF is partially covered by Medicare. If you have a current referral from your doctor, Medicare can reduce the cost of treatment by thousands of dollars.

Medicare can also help with the cost of other procedures associated with IVF, including ICSI, which involves injecting sperm directly into an egg.

What is the Medicare Safety Net?

The Medicare Safety Net provides further financial relief to Australians who incur particularly high out-of-hospital costs in a year.

Once your out-of-pocket costs reach a certain threshold, Medicare will increase the benefit amount on certain procedures or treatments.

ThresholdThreshold amountWhat counts towards the threshold?What benefit will you get back?
Original (OMSN)$477.90Your gap amount100% of the schedule fee for out-of-hospital services
Extended (EMSN)$2,169.20Your out-of-pocket expenses80% of out-of-pocket costs or the EMSN benefit caps for out-of-hospital services

Does private health insurance cover IVF?

Gold tier hospital policies can help towards the overall cost of IVF but there are some conditions you'll probably have to meet before receiving a benefit.

Usually, private hospital insurance will only cover services where you are admitted as a patient to hospital. This is typically called an in-patient service. It's also likely that your fund will only pay a benefit if there is a Medicare benefit number attached to the service or procedure.

Generally, the main surgical procedure in an IVF cycle is the egg collection. You might see this procedure referred to as egg pick-up, oocyte pick-up, OPU or even egg harvesting.

This procedure is performed in an operating theatre, so you'll be admitted as an in-patient. If your policy covers assisted reproductive services, which gold policies do, then the hospital accommodation and theatre fees will be covered by your health fund. If you're admitted as an in-patient for the embryo transfer procedure, the same benefits will apply again.

A gold level policy will also help cover the cost of anaesthetists and doctors fees, counselling appointments and some IVF drugs.

How much does health insurance cost?

We ask hundreds of Australians what they're paying for health insurance every month. Here's what they told us in June 2024.
  • Basic: $110
  • Bronze: $143
  • Silver: $162
  • Gold: $197
Price based on 1,000+ responses for single hospital insurance.

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Written by

Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full profile

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