Explore Health Insurance

Thousands of people around Australia are keen to have a baby but find it difficult to conceive naturally and may be due to a wide range of conditions including polycystic ovary syndrome (PCOS). In these cases, they may turn to assisted reproductive technology such as In Vitro Fertilisation (IVF) or Gammete Intrafallopian Tube Transfer (GIFT).

These procedures are generally quite expensive, but fortunately  part of their costs are covered by health insurance. To be covered by your health fund, make sure that your policy covers assisted reproductive services and that you have completed your 12 month waiting period.

What does my health fund cover?

Assisted reproductive treatment involves several steps and the costs will vary depending on the type of treatment you require.

Treatment cycle

Your treatment cycle will include a series of consultations with an assisted reproductive specialist, blood tests, ultrasound scans and counselling. Some of these costs may be claimed on Medicare provided you have a current referral from your GP or obstetrician, but your health fund cannot assist with these costs as you do not require admission to hospital to undertake these treatments.

Day surgery

Day surgery will be required for treatment involving the collection of eggs and transfer of embryos. Although the procedures take only hours and don’t require an overnight stay in hospital, you will need to be admitted into a hospital or facility to undergo treatment.

These costs will be covered by your health fund provided your policy includes assisted reproductive services and you have completed your waiting period.


Assisted reproductive services generally require medications as part of treatment. Depending on the drugs required, some of these costs may be covered by Medicare and some may be covered by your health fund. You should contact your health fund to find out what benefits you are eligible for under your policy.

To find hospital cover with assisted reproductive services, try our easy-to-use comparison tool now.

Compare health insurance

1800 338 253

Loading our call centre hours...

So, what are you waiting for?

Compare health insurance
Or call us on 1800 304 709