Payment options

Payment options

Regardless of your level of treatment, our hassle-free systems will make accessing our services easier on your finances.

You can simply select the option that suits your financial situation or personal preference. Our flexibility ensures everyone is catered for, whether you favour a full upfront payment or systematic instalments. Our aim is to give you choices that overcome financial barriers to treatment.

Payment options/plans available:

No up-front payment

Our no up-front payment plan is our most popular option. It is a flexible system that allows you to start your IVF cycle, with payment delayed until the day of egg collection. On that day, an online claim is submitted to Medicare, resulting in rebates being paid within 3-5 business days.

Medicare Online claiming is available at all City Fertility clinics. This is a secure and convenient way to claim your rebate without having to visit a Medicare office.

To access this payment option, a credit card authorisation form must be completed prior to the commencement of the cycle.  This authorisation form gives City Fertility permission to deduct City Fertility fees on the day of egg collection.  The credit card must be valid and have a credit limit that covers the full cost of treatment.

This payment option is not available for Medicare-ineligible cycles.

Full up-front payment

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This option requires the full City Fertility fee to be paid up-front on or before the first day of your cycle starting. This method of payment is available for all cycle types and procedures. The first day that an online claim can be submitted to Medicare is on the day of egg collection.

Instalment payments

This payment option allows you to pay a designated amount on or before the first day of starting your cycle. The balance of your fees is payable on the day of egg collection and will be deducted from your nominated credit card.

To access this payment option, a credit card authorisation form must be completed prior to the commencement of the cycle.  This authorisation form gives City Fertility permission to deduct the remaining City Fertility fees on the day of egg collection.  If you wish to pay the remaining fee via a method other than credit card, please contact the clinic at least two days before egg collection to arrange it. Please check with patient services for the current designated instalment amount.

Direct debit/credit payment

This payment option allows patients to make a direct debit/credit into City Fertility’s bank account. If patients wish to use this option, full payment would need to be received into City Fertility’s bank account before egg collection.  If direct debit/credit were to be made after the commencement of the patient’s cycle a credit card authorisation form would need to be completed prior to or on the day of commencing the cycle as a form of security.  The credit card is not deducted unless payment is not received by the date of egg collection.

If paying via direct debit/credit it is vital that you put your Full Name in the description/reference section so we are able to allocate the payment to you.  We do not recommend a cash transfer through your local bank as often the reference section is not noted, making it difficult for us to identify you as the payee.  Please contact patient services for City Fertility’s bank account details.

Accessing Superannuation


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Pay for your IVF treatment using your superannuation

Superannuation can be used to pay for essential IVF Treatment under the ATO’s Compassionate Release of Superannuation program. SuperCare streamlines the application process that is required to access Superannuation to pay for IVF treatments and all out of pocket expenses including private hospital fees, travel and accommodation. SuperCare operates on a no-fee – no approval basis.

SuperCare can facilitate the funding required for various treatments, including:

  • IVF
  • Donor Sperm
  • Donor Eggs
  • Egg Freezing
  • Endometriosis
  • Obstetrics and Gynaecology
  • Women’s Health
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Access My Super

Access My Super can help you access your superannuation to cover the costs associated with your IVF treatment by facilitating ATO’s Early Release of Superannuation (ERS) application.

Their friendly team will take care of the application and lodgement process for you, allowing you to focus on your journey ahead.

Access My Super has an affordable application fee of $749 with a “No Approval No Fee Policy”.

All required documentation is prepared by Access My Super in accordance with the ATO’s Early Release of Super (ERS) requirements including the psychiatrist report, to ensure approval. The psychiatrist report is organised by Access My Super within a short turnaround time. There is an associated cost for the psychiatrist report. Please call the Access My Super team for further information.

For further information or to contact Access My Super, please visit their website: call 1800 845 121.

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Please note these payment options are only available for City Fertility fees and cannot be used to pay for external provider fees such as hospital, anaesthetist, pharmacy and specialist fees. This does not apply when you are accessing superannuation.




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