In-vitro fertilisation (IVF) is a life-changing treatment for couples and individuals struggling with infertility, but the costs can be a significant challenge. In the UK, a single round of IVF can cost anywhere from £3,000 to £5,000, and many patients require multiple cycles to achieve success. IVF financial support schemes are designed to make treatment more affordable and accessible.

NHS IVF funding

The NHS offers free or subsidised IVF treatment in certain circumstances, although eligibility depends on your local Integrated Care Board (ICB). Criteria typically include age, existing children, and duration of infertility. While NHS support can significantly reduce costs, availability is limited and waiting lists can be long. Checking local NHS guidelines is the first step to understanding if you qualify for free treatment.

Private IVF financing options

For patients not eligible for NHS support or those seeking faster treatment, private clinics offer financing solutions. Many clinics allow payment in instalments, spreading the cost of treatment over several months. Some also provide multi-cycle packages, giving patients discounts if multiple IVF rounds are required. Others partner with finance companies to offer medical loans specifically designed for fertility treatments.

Charities and grants for IVF

Several charities in the UK provide financial support or grants to couples struggling with infertility. While grants are competitive, they can cover partial or full treatment costs. These initiatives are particularly helpful for families who meet specific eligibility requirements, such as financial hardship or specific medical conditions.

Insurance and refund schemes

Although IVF is not usually covered under standard health insurance in the UK, some private clinics offer refund schemes. These allow patients to pay upfront for a set number of IVF cycles, with a partial refund provided if treatment is unsuccessful. While the initial cost is higher, refund schemes can provide peace of mind and reduce the financial risk of repeated treatments.

Typical costs to consider

IVF treatment costs vary depending on the clinic and treatment plan. In addition to the core IVF cycle (around £3,000–£5,000), patients may face additional expenses such as fertility drugs (£500–£1,500), consultations, tests, and embryo storage fees. Financial support options can help reduce or spread these costs, making IVF more manageable for families.

Trusted IVF financial support resources

Here are some organisations and clinics offering financial support or resources for IVF treatment in the UK:

• NHS — IVF Overview — Official guidance on eligibility and access to NHS-funded IVF treatments.


• Fertility Network UK — Provides grants, emotional support, and resources for patients undergoing IVF.


• Access Fertility — Offers IVF refund and multi-cycle packages to reduce financial risk.


• Create Fertility — A UK-based clinic providing affordable IVF treatment and financing options.


• Bourn Hall Clinic — Offers flexible payment plans and guidance on accessing NHS funding.


• Tommy’s — A charity supporting research and funding for pregnancy and fertility-related challenges.

Is IVF financial support right for you?

If you are considering IVF, financial support can significantly ease the journey. NHS funding is the most cost-effective option, though availability varies by region. Private clinics with financing plans provide faster access, while refund and multi-cycle packages reduce uncertainty. Charities and grants may also be a valuable lifeline for couples facing financial difficulty. Understanding the range of options ensures that cost does not become a barrier to starting or growing a family.

Final thought:

IVF is an emotional and financial commitment, but with the right financial support, it becomes more accessible to hopeful parents across the UK. From NHS funding and charitable grants to private clinic packages, there are multiple paths to make treatment affordable. Exploring these resources, comparing costs, and planning ahead can help families focus on their IVF journey with greater peace of mind. With the right support, the dream of parenthood can move closer to reality without overwhelming financial strain.