IVF costs: what does your package cover?

What is included in the package?

Start with this question: “What treatment does this amount pay for, from the first appointment to the last?”

Ask what “one cycle” means in this offer. How many egg collections and embryo transfers does it include? If a transfer happens later, will you pay separately for it?

Egg collection, also called retrieval, is when the eggs are removed from the ovaries. Embryo transfer is when an embryo is placed in the womb. They are separate steps, and a package may not cover both. [2] Our IVF cycle guide explains what happens at each stage.

Medicines and tests

• Which injections and other prescribed medicines are included?
• Is there a limit on the number of days, amount of medicine or cost covered?
• Which blood tests, scans and consultations are included?
• Can the clinic use suitable recent test results from elsewhere?

“Medicines included” may still have a limit. Ask how extra medicines would be charged if your prescription changes. [2]

Egg collection and laboratory work

• Does egg collection include anaesthesia, the doctor's fee and the recovery room?
• Are the materials used during the procedure included?
• Which laboratory procedures are covered, and which would cost extra?

If a theatre or laboratory fee appears separately, ask whether it is already part of the package. Published offers can separate the facility charge from medicines or materials used there. [3]

Transfer and follow-up

• Does the package cover a fresh transfer, a frozen transfer or either?
• How many transfers are included?
• Which medicines, pregnancy tests and follow-up appointments are covered after transfer?

For anything added to your plan, ask why it is being recommended and what it costs. Our add-on evidence guide can help you prepare that conversation.

What would I pay for freezing and a later transfer?

Embryos may be frozen for use in a later treatment cycle. Ask about each of these charges:

A frozen transfer uses an embryo created earlier. You do not have another egg collection for that transfer. IVF cycle guide

Ask what “freezing and storage” covers if your estimate combines them in one line. Our billing-term reference explains storage charges.

Example: a transfer happens later

Made-up example. These amounts are not clinic prices.

You have paid ₹1,50,000 for egg collection and laboratory work. Your clinic then gives you this estimate for freezing and a later transfer:

The listed extras add up to ₹55,000. Together with the ₹1,50,000 already paid, that comes to ₹2,05,000 so far. Storage after six months still needs a price. Thawing is already included, so you would not add it again.

Ask: “What would I pay if the transfer happens after those six months?”

How do I compare two estimates?

Check that both cover the same treatment stages, number of transfers and storage period. Then add the charges the clinic has confirmed are extra. A breakdown may list items already included in the package.

Leave missing amounts marked “Ask the clinic.” Do not count them as free.

Example: different package prices

Made-up example. These amounts are not clinic prices.

Both estimates below cover one egg collection and one transfer. For this example, each clinic has confirmed the medicines and tests for the same treatment plan.

The package prices are ₹50,000 apart. After adding the listed extras, the difference is ₹10,000. You still need answers about freezing and storage before comparing those costs.

What if treatment stops or the plan changes?

Before paying an advance, ask for the payment and cancellation terms in writing. Ask what happens if:

• Treatment stops before egg collection.
• Eggs are collected but there is no embryo transfer.
• The transfer is postponed.
• You decide to stop treatment or change clinics.

Ask which payments could be refunded or kept as credit, how deductions are worked out, and when any agreed refund would be paid. Keep the estimate, terms and receipts together. The refund depends on the circumstances and applicable terms; this guide cannot tell you what you are entitled to receive.

Example: you have paid an advance

Made-up example. These amounts are not clinic prices.

You paid ₹60,000 before treatment. Treatment stops before egg collection. The clinic says ₹25,000 went towards medicines supplied and ₹10,000 towards scans and monitoring already completed.

That explains ₹35,000 of the advance. Ask for a statement explaining the remaining ₹25,000, including any deductions, refund or credit. The remaining amount is not automatically a refund.

What should I check in a multi-cycle or cashback offer?

Ask for the full terms before paying for several attempts together:

• How many egg collections and transfers can I have?
• When does the package expire?
• Does it end at a positive test, a pregnancy confirmed on a scan or the birth of a baby?
• What happens if I have a pregnancy loss, postpone treatment or do not use all the attempts?
• What is excluded from any cashback payment?

Some published Indian offers end at a pregnancy milestone or a set number of transfers. Some cashback offers exclude medicines and certain tests from repayment. Ask the branch to confirm the terms that would apply to you. [4] [5]

What else should I budget for?

Alongside the clinic estimate, note travel, accommodation, extra meals and any income you or someone accompanying you would lose. An Indian study of IVF spending included these costs as well as medical bills. [6]

If you can take paid leave, record the days you need without adding them as lost income. Ask which visits must be in person and which dates are still provisional before booking travel.

A message you can send to the clinic

Sources

The clinic pages below were checked on 15 September 2026. They provide examples of package terms. Confirm current terms with the clinic. UK guidance is used for general cost questions, not Indian refund rights.

1. HFEA: costs and funding.
2. Green City Hospital: IVF package inclusions and exclusions.
3. Altius Hospital: IVF package details.
4. Birla Fertility & IVF: package terms.
5. Pearl Singapore Fertility Centre: treatment costs and offers.
6. Patil and colleagues: IVF spending at selected Indian hospitals, PLOS One, 2026. This study does not establish current clinic prices.
7. UK Competition and Markets Authority: fertility consumer guide. Background for payment and cancellation questions.