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How to pay for fertility treatment
We understand that finances are often one of the main considerations when exploring fertility treatment. If you choose to have your care with us, you have multiple funding options for your treatment, including NHS funding referrals and our partnership with Access Fertility.
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Your funding options
We understand that fertility treatment can be a big financial commitment. To make our services as accessible as possible, there are several funding routes available for your treatment.
So that you can feel confident of your treatment costs, we follow a price commitment based on best practice set by the Competitions and Markets Authority (CMA).
We'll provide a breakdown of the cost of your specific treatment and the options available to you at the point of consultation so you can decide which funding route is best for you.
It's important to note that costs could increase if you require additional medication or further services during your treatment. We'll communicate this with you at every step.
Spread the cost with Access Fertility
We're proudly partnered with Access Fertility to allow our patients to spread the cost of fertility treatment through their finance packages, including 0% interest payment plans for up to 12 months.
Access Fertility's packages can be used on all or part of your treatment costs and split into monthly repayment installments.
These packages have helped many of our patients save money, fix the cost of their treatment and reduce the financial stress involved with fertility treatment.
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Access Fertility payment plans
Access Fertility offers three programmes through TFP. Multi-cycle and refund programmes cost more up front than a single cycle but can work out cheaper if you need more than one round, which many people do.
IVF Unlimited
Unlimited IVF cycles and frozen embryo transfers for 2 years, with a full refund if you do not have a baby.
IVF Refund
Up to three IVF cycles and unlimited frozen transfers, with up to a 100% refund if you do not have a baby.
IVF Multi-Cycle
Up to two IVF cycles for a discounted fee, with no medical criteria. This helps ease stress if the first cycle is unsuccessful.
How to apply
We've put together a helpful step-by-step guide on how to apply for Access Fertility and the eligibility criteria.
The Access Fertility 0% payment plan is not a regulated consumer credit product and is not covered by the Financial Conduct Authority (FCA). This means you will not benefit from the same protections that apply to regulated credit agreements. |
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NHS funding
Some patients are eligible for NHS-funded treatment at a TFP clinic. Eligibility is set by your local NHS commissioners, not by us, and the criteria differ across the UK.
The eligibility criteria for NHS-funded fertility treatment depends on where you live, as well as your age, BMI, smoking status and how long you've been trying to conceive. We will check whether you meet them before you pay for anything.
We've put together a helpful step-by-step guide on the NHS referral process.
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IVF covered by health insurance
You could get your fertility treatment funded by Bupa or AXA Health if you have invested in health insurance or receive these benefits through your workplace.
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Bupa - Health insurance
Eligibility and application guide
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AXA Health - insurance
Eligibility and application guide
Self funded
You can also choose to self-fund your own fertility treatment or fertility preservation cycle.
You don't need a referral from a GP or health insurance plan to come to us directly for self-funding.
Contact us to learn more about self-funding at your TFP Fertility clinic.
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Get reduced IVF costs when you share your eggs
Opt in for egg sharing as part of your IVF treatment or egg freezing cycle to help someone else take a step towards growing their family — and in return, you'll receive your fertility treatment at a reduced cost.
Patients find egg sharing to be a rewarding experience, helping someone else take a step towards growing their family.
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Armed forces
If you or your partner or co-parent are employed by the Armed Forces and require fertility treatment, you should speak to your military or local GP.
If you meet the criteria for funding, a request should be submitted to NHS England Armed Forces for funding approval, rather than your Integrated Care Board (ICB).
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Your fertility journey starts with a phone call
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Additional resources
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Getting started with fertility treatment
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Understanding IVF treatment costs
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Preparing for your fertility assessment
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How to choose a fertility clinic
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Dr Peter McFaul
Consultant, TFP Belfast Fertility · Reviewed 28 September 2026
Demonstrated Experience
- ·Over 40 years of medical experience.
- ·Consultant in obstetrics, gynaecology and reproductive medicine.
- ·Served as a lecturer at Dundee University and Ninewells Hospital.