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The cost of IVF

In vitro fertilisation (IVF) is a form of assisted reproductive treatment and involves fertilising a woman’s eggs with a man’s sperm outside of the human body. Once fertilised, the resulting embryos are transferred to a woman’s uterus in the hope that a successful pregnancy will follow.

How much does IVF treatment cost and how much of this is covered by Medicare and Bupa? 

IVF treatment may involve an admission to hospital or occur outside of a hospital admission. Medicare will contribute to the cost of medical services, whether or not they require a hospital admission. If IVF is included in your hospital cover and you’ve served your waiting periods, Bupa will contribute to hospital and medical costs for IVF services during a hospital admission.

Many IVF services do not require you to be admitted to hospital; however the type of IVF services provided to and number of cycles required by a patient will depend on individual circumstances and will be based on your fertility specialist’s recommendations.

As a rough guide, the average cost for services provided during a standard IVF cycle, and estimates of the proportions of this that will be contributed by Medicare, Bupa and the patient are shown below.

Individuals and couples considering IVF treatment are required to give their informed financial consent prior to any treatments being provided.

Total cost for a standard IVF cycle Between $8,000 and $10,000
Final out-of-pocket costs after Medicare and Bupa benefits Around $3,200 - $4,200
Of this cost Medicare covers/pays Approximately 48%*
IVF treatment can involve a day hospital procedure. These services can be claimed from Bupa (if applicable under your level of hospital cover) Approximately 13%*
The remainder is billed as an out-of-pocket cost to the patient. However, costs can vary due to more advanced services required, which will be billed in addition to the estimates provided here. For example if a patient makes a decision to undergo pre-genetic diagnosis (PGD) to ensure that the embryo is free from genetic diseases the costs will go up. PGD is not covered by Medicare. Approximately 39%*

Note: this table is indicative only, based on information provided by Virtus Health and is based on you having reached your Medicare Safety Net where a diagnosis of medical infertility has been made.
* Percentages are calculated against a total cost of $10,000.

To discuss your individual circumstances and the costs you may incur, you should speak with your Fertility specialist and clinic staff. Individuals and couples considering IVF treatment are required to give their informed financial consent prior to any treatments being provided.

Contact Bupa to check your level of hospital cover as some products may restrict or excluded benefits for IVF and assisted reproductive services.

Find out more information about fertility and in vitro fertilisation (IVF)

What’s involved in an IVF cycle? 

A standard IVF cycle is not one simple procedure, but a series of steps over several weeks that generally includes:

  • Hormones to stimulate ovaries to produce more eggs for collection
  • Blood tests and ultrasounds to monitor and collect eggs at the right time.
  • Procedures to transfer and implant embryos after successful fertilisation
  • Pregnancy test
  • Standard medications
  • Counselling during and immediately post cycle
  • Fertility specialist consultations
  • Specialist nursing care and support
  • Scientific/embryology services.

This is intended to provide an example of the costs a couple may incur in a standard IVF cycle, but we would always suggest that you contact us before any hospital admission to confirm you’re covered.

A standard IVF cycle does not include specialist and advanced testing and services that may be required before or during a standard cycle. It also does not include donor cycles.

In Victoria, mandatory counselling, police and child protection checks are also required.

Further information 

Melbourne IVF

IVF Australia

Queensland Fertility Group


Australian Government Department of Health. Medicare Benefits Schedule - Note T1.4 Assisted Reproductive Technology ART Services - (Items 13200 to 13221). [online] Available from:

Macaldowie A, Wang YA, Chambers GM & Sullivan EA 2012. Assisted reproductive technology in Australia and New Zealand 2010. Assisted reproduction technology series no. 16. Cat. no. PER 55. Canberra: AIHW.

Melbourne IVF. IVF and Medicare. [online] Available from:

Last updated: 2017

This information has been developed and reviewed for Bupa by health professionals. To the best of their knowledge it is current and based on reputable sources of medical research. It should be used as a guide only and should not be relied upon as a substitute for professional medical or other health professional advice.

Bupa Australia Pty Ltd makes no warranties or representations regarding the completeness or accuracy of the information. Bupa Australia is not liable for any loss or damage you suffer arising out of the use of or reliance on the information. Except that which cannot be excluded by law. We recommend that you consult your doctor or other qualified health professional if you have questions or concerns about your health. For more details on how we produce our health content, visit the About our health information page.