Trying To Conceive? Get A Refund On Your IVF Treatment If It’s Unsuccessful

Having a child is expensive, but if you need to use IVF to get pregnant in the first place you’re looking to spend up to £10,000 before your baby is even born.

Which is why a ‘money-back’ IVF scheme could be the answer to a lot of hopeful parents’ prayers.

It’s definitely a first in fertility. A UK-based company is offering women who are trying to conceive “peace of mind” with a “shared risk” IVF scheme.

Claiming to be the UK’s first IVF money-back plan, Access Fertility is offering couples trying for a baby a 70 per cent refund if they don’t manage to get pregnant. Sounds like a dream, right? But there’s a catch. A rather costly one.

If you have a baby during your first round of IVF then you’ll have paid twice the cost of an ordinary IVF plan.

Hopeful parents have to pay a fix upfront fee for three fresh embryo and unlimited frozen embryo IVF cycles – but they only have to shell out for the full cost if a baby is born.

An IVF cycle with the company costs over £10,000, which is over double the average amount of IVF treatment. But if a woman is unsuccessful twice with her fertility treatment, then she can claim up to £7,560 back from the Access scheme.

Whereas if she’d tried two rounds of IVF with another clinic and been unsuccessful in getting pregnant then she would have lost around £10,000 – and have no baby.

And there are a few conditions. The scheme is only available to women who are 38 and younger when they start the treatment and pass a medical screening.

“We explain everything at the outset and every client has given us near enough the same response; ‘We won’t care at that point [that we could have paid less] because we’ll have a baby,” Ash Carroll-Miller of Access Fertility told The Guardian.

IVF is free for some women on the NHS, but the number who qualify for the fertility treatment is relatively limited.

In 2013, the National Institute for Health and Care Excellence (NICE) published guidelines on who should have access to IVF treatment. Women under the age of 40 should be offered three free rounds of IVF and woman aged 40 to 42 should be offered one try, so long as they fit certain requirements.

But The Guardian reports that over 80 per cent of clinical commissioning groups fail to meet these guidelines – making schemes like the money-back IVF one more tempting for women desperate to start families.

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Do you think the money-back IVF scheme is a good idea? Let us know in the comments below.