Maternal and newborn - Improving affordability and access to IVF and fertility services in NSW (2023)

On this page

  1. Pre-IVF Fertility Testing Rebate
  2. Fertility Treatment Rebate
  3. Lower cost fertility treatment
  4. Fertility Preservation Service
  5. What about patients in rural and regional NSW?
  6. Where can I go for further information?

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The NSW Government has committed $80 million from 2022-23 to 2025-26to increase access to affordable fertility treatments under the NSW Affordable IVF Initiative.The fertility package will extend rebates for pre-IVF fertility testing, introduce a new rebate for fertility treatment, increase the number of IVF treatment places in publicly supported clinics and increase fertility preservation services for patients with a medical need.

The new fertility treatment rebateof$2,000 will open 1 January 2023. Women who have undergone an eligible procedure from 1 October 2022 will be able to submit a claim when the rebate scheme opens.

This builds on the NSW Government's 2019 investment of $42 million over four years. It willimprove affordability and access to IVF and fertility treatment services across NSWby:

  • extending the rebate for out-of-pocket expenses related to pre-IVF fertility testing, administered through Service NSW
  • expanding the availability of publicly supported lower cost IVF clinics for around 6,000 women
  • extending the state-wide fertility preservation service for patients with a medical need.

Pre-IVF Fertility Testing Rebate

If you are undergoing pre-IVF fertility testing and have related out-of-pocket expenses you can receive $250 from 1 January 2023 ($500 until 31 December 2022)to help on your journey to becoming a parent. To claim, you must have incurred out-of-pocket expenses from 1 October 2019 for one or more of the following examinations for the purpose of pre-IVF fertility testing:

  • Anti-Mullerian Hormone (AMH) test
  • pelvic ultrasound
  • ovulation test
  • semen analysis.

Current residents of NSW are eligible for the rebate once a specialist confirms they have a fertility issue and have out-of-pocket expenses related to fertility testing.

Fertility testing includes tests for women and men; however, only women can lodge the claim through Service NSW for the rebate (NSW Health acknowledges people in the transgender community, or who are non-binary, may receive fertility testing but may not identify as women).A woman can only receive the rebate once. The receipt you provide when claiming the rebate must show the out-of-pocket cost incurred and the eligible test.

NSW residents can claim the rebate regardless of where in Australia they received the fertility test. Both GPs and specialists can order tests butonly specialistscan confirm eligibility for the rebate.

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How to claim the rebate

Before you apply, ask your fertility specialist to:

  • discuss all points of thePre-IVF Fertility Testing Rebate checklistwith you to confirm that you are eligible for the rebate
  • complete thePre-IVF Fertility Testing Rebate form[PDF] with you. If the receipt you provide as evidence of out-of-pocket costs is for fertility examinations your partner or gamete donor received, then they must also sign the form. FurtherInformation for specialistsis also available on this process.

You must provide one receipt of an eligible test as proof of your expenses.

To claim the rebate:

  • Visit the Service NSW Pre-IVF Fertility Testing Rebate page and click Apply Online
  • Log in to your MyServiceNSW account, or create an account if you do not have one
  • Upload the signed Pre-IVF Fertility Testing Rebate Form and one receipt for fertility testing.

If your application is approved, the rebate will be transferred into your nominated bank account within 28 working days. For information on the status or outcome of your claim, contact Service NSW on 137 77 88.

What if my specialist is located outside NSW?

NSW residents can claim the rebate regardless of where their Specialist is based. However, if your specialist is located outside NSW they may not be on Service NSW's specialist list in the online application. If this happens, please contact Service NSW to provide your specialist's name, location of practice and Australian Health Practitioner Registration Agency (Ahpra) registration number. Service NSW will verify your provider and add them to the specialist list if eligible.

What if I need help lodging my claim?

Please visit the Service NSW Pre-IVF Fertility Testing Rebate page for more information on how to apply for the rebate. You can also call Service NSW on 13 77 88 between 7am and 7pm.

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Fertility Treatment Rebate

The Fertility Treatment Rebate is available to eligible women who undertake IVF or another fertility treatment in a private clinic and incur an out-of-pocket cost. (NSW Health acknowledges that people in the transgender community, or who are non-binary, may receive fertility treatment but may not identify as women.)

(Video) Treatment for IVF now thousands of dollars cheaper | Nine News Australia

Applicants can claim the rebate for out-of-pocket costs associated with Assistive Reproductive Technology (ART) treatment. This includes artificial insemination, in-vitro fertilisation (IVF), gamete intrafallopian transfer and any related treatment or procedure that is outlined in the Fertility Treatment Rebate Terms and Conditions.

The chosen ART Provider must be accredited to carry out ART treatment by the Reproductive Treatment Accreditation Committee (RTAC) of the Reproductive Technology Accreditation Society of Australia, or by another equivalent accreditation body approved in writing by the NSW Ministry of Health.

Eligible applicants will receive $2,000 as a one-off payment if their claim is successful. The rebate may only be claimed once.

The new fertility treatment rebate will open for applicants to make a claim from 1 January 2023. Eligible women who have undergone a procedure from 1 October 2022 will be able to submit a claim when the rebate scheme opens.

The rebate is not available to patients with the following costs:

  • any treatment that has already been reimbursed by another government program or rebate, such as Medicare
  • treatments that are for the sole purpose of fertility preservation
  • treatments incurred from the publicly supported lower cost IVF programs at the following clinics:
    • Fertility Unit at Royal Prince Alfred Hospital
    • Westmead Fertility Centre linked with Westmead Hospital
    • Fertility and Research Centre at the Royal Hospital for Women

The fertility treatment rebate includes out-of-pocket costs for women and men; however, only women can lodge the claim.

How to claim the rebate

Before you apply, ask your ART Provider to:

  • Discuss all points of the Fertility Treatment Rebate checklist with you to confirm that you are eligible for the rebate
  • Complete the Fertility Treatment Rebate form [PDF] with your specialist

You must provide at least one receipt of an eligible fertility treatment as proof of your expenses.

To claim the rebate:

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  • Visit the Service NSW Fertility Treatment Rebate page and click Apply Online
  • Log in to your MyServiceNSW account, or create an account if you do not have one
  • Upload the signed Fertility Treatment Rebate Form and receipt for fertility treatment
  • You may also apply for this rebate in person at any Service NSW Service Centre

If your application is approved, the rebate will be transferred into your nominated bank account within 28 working days. For information on the status or outcome of your claim, contact Service NSW on 13 77 88.

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Lower cost fertility treatment

Fertility treatment can be expensive, as well as difficult emotionally.

Building on the 2019 investment, the NSW Government is further expanding the availability of publicly supported lower cost IVF clinics.

Publicly supported IVF clinics include theFertility Unit at Royal Prince Alfred Hospital, theWestmead Fertility Centre linked with Westmead Hospitaland theFertility and Research Centre at the Royal Hospital for Women.

Medicare rebates remain available to patients to further reduce the cost of treatment. For further information about what Medicare offers visit the Department of Human Services websiteMedicare services conceiving pregnancy and birth.

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Fertility Preservation Service

The risk of infertility is a concern for many people facing medical treatments such as radiotherapy and chemotherapy.

Building on the 2019 investment, the NSW Government is further expanding fertility preservation services for people with a medical need.

TheFertility and Research Centre at The Royal Hospital for Women, in partnership with the University of NSW, is providing a state-wide service that can freeze and store sperm, ovarian tissue, eggs or embryos before patients undergo chemotherapy, radiation therapy or other treatments.

If you have been recently diagnosed with cancer or a medical condition that may affect your fertility, you can discuss with your treating clinician whether you should be referred for fertility preservation. This may include a referral to the Royal Hospital for Women, Fertility and Research Centre or another service of your choice.

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What about patients in rural and regional NSW?

This initiative can be accessed by anyone who is eligible, regardless of where they live.

If you are based in a regional or remote location, you also may be eligible for assistance for specialist treatment under the Isolated Patient Travel and Accommodation Scheme (IPTAAS). For more information, visit Isolated Patients Travel and Accommodation Assistance Scheme (IPTAAS)

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Where can I go for further information?

  • Speak to your local doctor or your specialist
  • Read the Frequently asked questions
  • Apply for the NSW Pre-IVF Fertility Testing Rebate
  • For enquires on an existing Pre-IVF Testing Rebate claim, including querying reasons for ineligibility, contact Service NSW via or call on 137 788

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What is the NSW affordable IVF initiative? ›

The NSW Government now provides a Pre-IVF Fertility Testing Rebate that helps eligible NSW residents cover the costs of fertility testing. The Pre-IVF Fertility Testing Rebate is a one-time payment of $250, as of 1 January 2023 (previously $500).

What is the IVF support grant in NSW? ›

The Fertility Treatment Rebate is designed to help with the costs of IVF and other Assisted Reproductive Technology (ART) treatments. Women in NSW who have received an eligible fertility treatment from 1 October 2022, will be able to submit a claim for the $2,000 rebate.

Can I claim IVF on my taxes? ›

To start, fertility treatments, including IUI, IVF, embryo/egg/sperm storage, lab fees, and any other medications and required procedures due to infertility are tax deductible. In that same vein, birth control, which many of us use at the outset of our IVF cycles, is also an expense that you are allowed to write off.

How can I make IVF more affordable? ›

Here's a recap of the list so you can follow each step:
  1. call your health insurance to ask about infertility coverage.
  2. ask your HR if any health insurance plans cover infertility & if you have any other fertility-related benefits.
  3. Max out your HSA and/or FSA contribution (use this money to pay for treatment costs)

Is IVF covered by Medicare NSW? ›

Any NSW resident who is eligible for Medicare and who is referred by their doctor can access the publicly supported IVF clinics. The clinic must also deem IVF treatment clinically appropriate for the patient.

What is the age limit for IVF in Australia? ›

IVF Treatment through our Bulk Billed Program is only available to women who are under 45 years of age or younger (at the time of egg collection). We do however have Donor Egg and Surrogacy Programs associated with our Full Service Fertility Treatment Program.

What makes you eligible for IVF? ›

Sometimes, IVF is offered as a primary treatment for infertility in women over age 40. IVF can also be done if you have certain health conditions. For example, IVF may be an option if you or your partner has: Fallopian tube damage or blockage.

What are IVF benefits? ›

IVF Significantly Improves Your Chances at a Successful Pregnancy and Consequently a Healthy Baby. The most significant benefit of IVF is a successful pregnancy and the resulting healthy child.

Is IVF Subsidised in Australia? ›

No, IVF treatments in NSW are not free. However, the NSW government offers fertility treatment rebates, and some fertility treatments may be covered by private health insurance policies.

Does insurance cover IVF in Canada? ›

Are fertility treatments covered by insurance? Comprehensive coverage of fertility treatments is not standard in Canada. Some provinces offer limited coverage for fertility treatments.

Do you get a refund for IVF? ›

Usually, an IVF refund package will ask for a flat fee for three to six cycles of IVF, though there are programs that offer a partial refund after just one cycle. The flat fee is typically (but not always) less than you'd pay if you were paying for each cycle individually.

Is IVF tax deductible in Ontario? ›

Tax-deductible fertility medical expenses in Canada:

In-vitro fertility expenses. Medical tests (including urine analysis and x-ray services) Needles and syringes (with a prescription) Pre-natal and post-natal treatments.

How much does IVF cost in USA? ›

According to the American Society of Reproductive Medicine, the average cost for one in vitro fertilization (IVF) cycle is more than $12,000. 1 However, prices vary significantly and basic IVF can be as much as $25,000 or may be as low as $10,000. It's rarely lower than that.

What country is cheapest for IVF? ›

Fortunately, Iran has the lowest IVF price in the world, as healthcare services and daily expenses are very low in this country. In general, the cost of IVF in Iran starts from $1.200 per cycle, but this number may increase to $2.500 if additional tests and examinations are required.

Why is IVF so expensive in the United States? ›

Fertility treatments in the US are an insurance minefield

The reason IVF is so expensive isn't that it's a cutting-edge technology — in fact, the first successful procedure took place in 1978 — it's that for many women, the cost of the treatment isn't covered by insurance.

How much is IVF out of pocket Australia? ›

According to IVF Australia, one IVF cycle can cost $10,532. The out-of-pocket expense could be about $5,483 on average for a first cycle of treatment. The cost of the first round of IVF depends on whether you're using a fresh or frozen embryo, according to Monash IVF. It can also vary significantly between clinics.

How much does IVF cost in Australia without insurance? ›

Melbourne IVF treatment cycle costs and all aspects of treatment
Treatment Costs correct as of 26th April 2023Cycle payment (treatment)EmbryoScope Cost (technology)
IVF cycle$10,281$505.00
ICSI cycle$11,397$505.00
Frozen embryo transfer (FET)$3,712
Intrauterine Insemination (IUI)$2,163
2 more rows

How many rounds of IVF are free? ›

What are the criteria for receiving IVF treatment on the NHS? According to NICE, women under 40 should be offered three rounds of NHS-funded IVF treatment if they've been trying unsuccessfully to start a family for two or more years, or if they've had 12 or more unsuccessful rounds of artificial insemination.

Can a 55 year old do IVF? ›

Women over the age of 50 are generally not considered candidates for IVF. However, women of any age with access to viable eggs or embryos (her own or from a donor) and a receptive uterus (her own or with a gestational surrogate) is capable of achieving motherhood through IVF.

Can I use my own eggs at 47 for IVF? ›

Realistically, you can always undergo IVF unless you have experienced ovarian failure and/or menopause. However, pregnancy success rates using your own eggs drops considerably for women over 40.

How successful is IVF over 40 Australia? ›

In Australia, the latest success rate for IVF for women under 30 is 21.2 per cent (as of 2017). However, this drops to 16.5 per cent for women between 35 to 39 and plummets to just 5.2 per cent for women between 40 to 44.

What is donor egg IVF NSW? ›

Using donor eggs

IVFAustralia provides egg donation services for people who are unable to conceive using their own eggs, where the donor and the recipient are known to each other. Ideally donors should be aged 23 – 33 with no medical or genetic conditions; they will be screened to determine their suitability.

How do I get reciprocal IVF covered? ›

Insurance providers generally don't cover reciprocal IVF costs unless there's a medical necessity. This necessity may include diagnostic tests and doctor visits for the individual carrying the child.

What is the new IVF? ›

What is INVOcell? INVOcell is a cutting-edge IVF technique with a unique twist. Unlike traditional IVF procedures, during which fertilization and early embryonic development occurs in a laboratory, INVOcell promotes in vivo (within the body) conception and development.

What is the new form of IVF? ›

The technique, known as mitochondrial donation treatment (MDT), uses tissue from the eggs of healthy female donors to create IVF embryos that are free from harmful mutations their mothers carry and are likely to pass on to their children.

How much do egg donors get paid in Australia? ›

Is there payment for egg donation? No. It is illegal in Australia to receive payment for egg donation, but the person who receives the eggs will cover the costs of the treatment cycle where your eggs are retrieved. They may also elect to refund your reasonable out-of-pocket expenses.

What is the difference between IVF and egg donation? ›

The Difference Between IVF and Donor Eggs

If a woman has healthy eggs, she can use her own throughout the IVF procedure. If an intended mom has unhealthy or absent eggs, she may opt to have a donor egg fertilized with her partner's sperm through IVF.

How much does it cost to use donor eggs in Australia? ›

Service (1st July 2022)Cost
Preparation of known sperm donor$2,980
De-identified sperm donor access fees - per cycleAUS Donor $785 US Donors - please speak with our donor team
Egg donation
Preparation of known egg donor$1,925
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How much is IVF cost in the Philippines? ›

The IVF cost in the Philippines is affordable with a high success rate at the fertilityworld IVF center. The estimated IVF cost in the Philippines is Php 250,000.00 or 4500.00 USD .

Does IVF use both parents? ›

Reciprocal IVF allows both individuals to play an intimate role in the biological development of the baby. The partner who provides the eggs is genetically related to the child, and the partner who carries the baby is biologically bonded to the child through pregnancy.

Can 2 females have a baby without sperm? ›

Two cisgender women (meaning assigned female at birth) in a relationship cannot become pregnant without some form of assisted reproductive technology (ART). The reasoning goes back to basic biology and how an embryo is formed. To create an embryo, a sperm cell and egg cell must meet in some way.

What are the 3 types of IVF? ›

The three main approaches to IVF that involve no or fewer drugs are natural cycle IVF, mild stimulation IVF and in vitro maturation (IVM).

What are the 5 stages of IVF? ›

IVF involves several steps — ovarian stimulation, egg retrieval, sperm retrieval, fertilization and embryo transfer.

What are the 4 stages of IVF? ›

IVF Step-by-Step
  • Step 1: Control Ovarian Hyperstimulation (COH) COH is done using different protocols. ...
  • Step 2: Egg Retrieval. Oocytes. ...
  • Step 3: Fertilization and Embryo Culture. 2PN. ...
  • Step 4: Embryo Quality. There are several criteria used to assess the quality of the embryo. ...
  • Step 5: Embryo Transfer.

What is the highest cost of IVF? ›

IVF Treatment Cost In Indian Cities in 2023:
City NameIVF Cost/Cycle
IVF Cost Delhi1,50,000
IVF Cost Noida1,50,000
IVF Cost Ghaziabad1,45,000
IVF Cost Gr Noida1,45,000
1 more row
Feb 12, 2023

What is the most expensive IVF? ›

If you plan on using an egg donor, the overall cost will be significantly higher—from $25,000 to $30,000 for one cycle. Using a sperm donor is less expensive, costing anywhere from $200 to $3,000 extra, or between $13,000 and $17,000 per IVF cycle. Using a gestational carrier is the most expensive of all IVF options.

What is cheaper than IVF? ›

IUI increases a patient's chances of pregnancy by giving sperm a head start, and ensuring insemination happens at the time of ovulation—but it's less effective, less invasive, and less expensive than IVF.


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