Fertility and IVF services cost in New Zealand (2026)
Typical fees for fertility and IVF services across New Zealand, plus ACC, insurance and payment plan options.
Typical fertility and IVF services fees
Range: Private IVF $15,000–$25,000 per cycle; FET $3,000–$5,000.
Private IVF cycles in New Zealand run roughly $15,000–$25,000, with ICSI typically adding $1,500–$3,000. Frozen embryo transfer (FET) costs $3,000–$5,000. Freezing and storage is usually $1,500–$2,500 plus an annual storage fee. Some health insurers (Southern Cross, nib) fund parts of the workup but do not generally fund IVF treatment itself.
ACC cover
ACC does not fund fertility treatment except in narrow treatment-injury cases. Public funding is available for one or two cycles via the Clinical Priority Assessment Criteria (CPAC) scoring, administered through Te Whatu Ora — eligibility depends on age, BMI, smoking status, prior children together and a CPAC score above the regional threshold.
Private health insurance
Most major New Zealand insurers (Southern Cross, nib, Accuro, AIA) include allied-health and specialist cover that may apply to fertility and IVF services. Per-visit limits and total annual maximums vary by plan — review the schedule of benefits or speak to your insurer before booking.
Payment plans & financing
Many New Zealand fertility specialist practices accept Q Card, Afterpay, Gem Visa or in-house plans for treatment programmes. Interest-free periods are typically 6–24 months. Always confirm the total cost (including any administration fees) and the interest rate after the introductory period before signing — interest-bearing portions can add 12.95–29.95% if balances aren't cleared on time.
Fertility and IVF services cost by city
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Related care
Other health services frequently considered alongside fertility and ivf services:
Fertility and IVF services: questions
How much does fertility and IVF services cost in New Zealand?
Typical fees are Private IVF $15,000–$25,000 per cycle; FET $3,000–$5,000. Private IVF cycles in New Zealand run roughly $15,000–$25,000, with ICSI typically adding $1,500–$3,000. Frozen embryo transfer (FET) costs $3,000–$5,000. Freezing and storage is usually $1,500–$2,500 plus an annual storage fee. Some health insurers (Southern Cross, nib) fund parts of the workup but do not generally fund IVF treatment itself.
Is fertility and IVF services covered by ACC?
ACC does not fund fertility treatment except in narrow treatment-injury cases. Public funding is available for one or two cycles via the Clinical Priority Assessment Criteria (CPAC) scoring, administered through Te Whatu Ora — eligibility depends on age, BMI, smoking status, prior children together and a CPAC score above the regional threshold.
Are payment plans available?
Many New Zealand fertility specialist practices accept Q Card, Afterpay, Gem Visa or in-house payment plans for higher-cost treatment plans. Confirm interest rates and total cost before signing — interest-free periods vary by provider.
Does private health insurance cover fertility and IVF services?
Most major New Zealand insurers (Southern Cross, nib, Accuro, AIA) include allied-health and specialist cover that may apply to fertility and IVF services. Coverage and per-visit limits vary considerably by plan — check the schedule of benefits before booking.