Identify the service and payment recipient
Check the institution, clinician, currency, quotation date and validity. Medical fees, coordination, accommodation, transport and third-party services may have different providers.
Compare the same scope
Identify whether monitoring, retrieval, standard fertilisation, ICSI, anaesthesia, culture, freezing and transfer are included, and how many times each service is covered.
Medication, testing and storage
Ask how medication quantities are charged, whether PGT-related biopsy, sample transport and testing are included, and when annual storage starts. Future use of frozen eggs has additional steps and costs.
Cancellation or additional treatment
Before payment, obtain the settlement rules for a cancelled cycle, postponement, no usable eggs, no transferable embryos and additional procedures.
Use the budget tool as a checklist
Adjust the relevant items, then request a personal written quotation. The tool does not decide which procedures you need and does not include all treatment or travel costs.
IVF quotation checklist
Before comparing totals, match the scope and charging units. Ask the provider to clarify missing items in writing.
| Cost item | Confirm the charging unit | Ask for the scope in writing |
|---|---|---|
| Consultation and tests | Per visit, test or test bundle? | Report validity, repeat tests and acceptance of outside reports. |
| Medication and monitoring | Per dose, visit or cycle? | Included medicines and charges for extra doses or monitoring. |
| Retrieval and embryo culture | Per retrieval or treatment cycle? | Anaesthesia, fertilisation method, culture and cancellation charges. |
| ICSI and embryo testing | Per procedure, embryo or batch? | Separate biopsy, testing, reporting and retesting charges. |
| Freezing and storage | Are freezing and storage separate? | Initial storage period, renewal dates, quantity limits and transport. |
| FET and follow-up | One transfer or further attempts? | Thawing, transfer medication, reviews and repeat transfers. |
Four checks before payment
- Who receives payment? Identify the quotation issuer, contracting provider and account holder. Are medical, laboratory and coordination fees separate?
- When is each payment due? Identify the service covered and request itemised invoices and receipts.
- What happens if the plan changes? Ask for revised costs and your confirmation before additional items.
- How is cancellation settled? Ask separately about cancellation before treatment, after medication, no usable embryos after retrieval, delay and no transfer. Which incurred costs are non-refundable?
What sits outside the medical budget?
Budget separately for travel, accommodation, meals, a companion, time off and booking changes. Ask your insurer about coverage and allow for reviews, delays or extra visits.
This is a list of questions, not confirmation that the provider offers these items, charges in these units or promises refunds. The written quotation and contract govern.
Information checked: 19 October 2026. Individual treatment, availability and fees require confirmation by the care provider.