COVID-19 Advice for Patients

Start on your road to pregnancy sooner & pay later with Zip.

We understand becoming pregnant can be a difficult journey and the costs of IVF can be overwhelming. We have teamed up with Zip to make the cost of IVF more flexible by allowing you to spread the cost of IVF over a 6 or 12 month period, interest free*.

How does the payment process with Zip work?

Meet with your Monash IVF Fertility Specialist

Meet with your IVF Fertility Specialist or speak with our Patient Enquiry Team who will assist in selecting a specialist to meet your needs.

Receive a quote for your fertility treatment

Once your treatment plan has been confirmed by your Fertility Specialist you will receive a quote for your fertility treatment.

Apply for your Zip account

You will now know the value required to apply for your Zip account.

Frequently Asked Questions

Patients can apply for an account up to $15,000. This will allow you to complete 2 standard Stimulated cycles (where the Medicare rebate from your first cycle is applied as a repayment).

No cash deposit is required to access treatment through Zip.

The Zip application process takes 5 minutes. Providing no additional information is required it takes approximately 10 minutes to receive a decision on the outcome of the application.

When the application is approved, funds can be accessed immediately.

No, Monash IVF has no surcharges when you use Zip to pay for your treatment.

‘Zip charges a one off $99 establishment fee (which is added to your zip balance), and a $6 monthly admin fee when a balance is owing on your account.

Costs not covered by the Zip account include:

  • Ongoing storage fees
  • Treatment costs not managed within the clinic (may include: theatre fees, anesthesia, in room bed fees, medications)

Reusable Account

Zip give you one account with one monthly statement, no matter how many times you shop.

Interest Free

Flexible interest free terms of 6 or 12 months. No hidden fees or upfront payments.

Flexible Payments

Choose repayments that suit your lifestyle - weekly, fortnightly or monthly.

To find out more about Zip, please visit

*Available to approved applicants only. The repayment advertised will repay the balance within the interest free period – inclusive of the $6 monthly account fee and $99 establishment fee. Minimum monthly payments required. Any balance outstanding at the expiry of the interest free period will be charged interest at the standard annual percentage rate, currently 19.9%. Credit provided by zipMoney Payments Pty Limited (ABN 58 164 440 993, Australian Credit Licence Number 441878).

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