IVF Funding & Cost Calculator
NHS IVF provision varies by postcode ("The Postcode Lottery"). Check your eligibility against strict 2025 criteria or estimate real-world private costs.
Your Profile
NHS funding usually stops at 40 or 42
Must be between 19 and 30
Funding rules vary significantly by nation/region
Did you know?
While standard Health Insurance rarely pays for IVF treatment itself, many comprehensive plans DO cover the diagnosis and investigations into infertility, saving you time and money before you start.
Check Health Insurance OptionsIVF cost and NHS eligibility guide
WeCovr's IVF cost and eligibility checker helps UK couples understand NHS funding criteria and private costs, supported by FCA-authorised guidance and 900,000+ policies issued across protection products. It is an estimate, not medical advice.
What this IVF checker estimates
The calculator uses regional NHS policy assumptions to estimate likely funded cycles and combines this with private cost benchmarks. Eligibility varies by region and individual factors.
Results are indicative only. Clinical eligibility and funding decisions are made by local commissioners and providers.
Uses regional NHS policy assumptions.
Estimates private cost per cycle.
Highlights common eligibility constraints.
Why eligibility varies across the UK
NHS IVF funding is decided by local integrated care boards and devolved health services, so criteria and cycle numbers can differ.
Why WeCovr supports family planning
WeCovr provides FCA-authorised guidance with high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance.
Data sources and guidance references
This guide references HFEA, NHS regional commissioning guidance, and NICE fertility recommendations.
NHS vs private IVF overview
| Pathway | Typical cost | Access | Best for |
|---|---|---|---|
| NHS funded | Lower | Criteria-based | Eligible couples |
| Private self-pay | Higher | Immediate | Time-sensitive cases |
| Hybrid | Mixed | Varies | Partial eligibility |
Related WeCovr resources
FAQs
How many IVF cycles does the NHS fund?
It varies by region. Some areas fund up to three cycles while others fund one or two.
Can existing children affect eligibility?
Yes. Many regions require no existing children for NHS funding.
Are private IVF costs fixed?
No. Costs vary by clinic, medications, and add-ons.
Does health insurance cover IVF?
Most policies do not cover IVF treatment itself, but some cover diagnostic tests and investigations.