Payment Options

At Monash IVF, our patients have access to some of the best fertility treatment that Australia, and the world, can offer.

We understand that sometimes fertility treatment can be both physically and emotionally taxing and the cost of treatment can add an unnecessary element of stress. That’s why at Monash IVF, we’re committed to providing you with flexible payment plans and helping you understand your financial options.

(*Online payments currently unavailable in WA)

Payment Options

Payment Options No Fees Applicable



ZipMoney allows patients to access treatment earlier with no payment required upfront. Patients apply directly to ZipMoney for a 6 or 12-month interest free^ payment plan for IVF, or a 24 or 36-month interest free^ payment plan for egg freezing.

^Available to ZipMoney approved applicants only. Maximum amount that can be borrowed is $15,000- inclusive of the $9.95 monthly account fee and $99 establishment fee. The repayment amount advertised may not repay the balance within the interest free period. Minimum monthly payments required. Any balance outstanding at the expiry of the interest free period will be charged interest by ZipMoney at the standard annual percentage rate, currently 25.9%.

Learn more about using ZIP Money.

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Private Health Insurance

Although Private Health Insurance is not required to access treatment with Monash IVF, it may contribute a further rebate on IVF costs or provide assistance with any hospital day surgery fees (which are not covered by Medicare) that you may incur during your treatment.

If you have Private Health Insurance, the amount covered by your health fund will be dependent on your level of cover, we suggest speaking directly to your health fund to find out the details of your policy. If you are investigating whether to apply for cover, we advise contacting health funds for advice and information regarding waiting periods and your eligibility for the cover of fertility treatment.

Please make sure you advise our accounts team of your Private Health Insurance eligibility and details when you meet with them.

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Accessing your Superannuation

Patients may be able to access their superannuation to assist in paying for IVF treatment.

  • Patients are able to apply to access their supperannuation directly through the ATO.
  • Alternatively SuperCare, an external service provider assists both individuals and their families in accessing their superannuation. can take up to four weeks to receive payment from superannuation funds, so this process should occur prior to treatment commencing.

Learn more about accessing super.

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Start your fertility journey

Wherever you are on your journey, one of our supportive nurse enquiry team can help you understand your options and take the next step. These conversations are free and informative.

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