Medical finance and medical aid

Fertility finance

Fertility treatment is emotionally demanding and a big financial commitment. Clear information takes away a lot of the uncertainty.

South Africa is one of the most cost-effective destinations for egg donation and IVF. It still takes careful planning. Very few agencies give real guidance on fertility finance. We do, so you can move forward with confidence.

Talk to us about costs See our fees

Good to know

We are not a lender. We don’t sell financial products.

What we offer is honest guidance. We help you understand your costs and point you to finance providers, clinic billing teams and funding organisations that may be able to help.

Where your money goes

Fertility costs are made up of different parts. Knowing who you pay makes planning far easier. Exact amounts depend on your clinic, treatment protocol and circumstances.

Gift ov Life

  • Match and management fee
  • Donor travel admin if needed

Your clinic

  • Clinic and laboratory fees
  • Medication
  • Required screening

Your donor

  • Donor compensation via your clinic
  • Donor travel where it applies

Your own travel

  • Flights or transport
  • Accommodation if you’re coming from another city or abroad

Three routes to explore

Medical aid

Some medical schemes offer limited support for assisted reproduction, depending on your plan. Discovery Health, for example, publishes an Assisted Reproductive Therapy benefit that may include certain egg donation IVF cycles for qualifying members.

Age limits, authorisation and scheme rules apply. Agency fees are generally not covered. Always confirm cover with your scheme first.

Medical finance

Several South African medical finance providers are known in the fertility sector. These include:

MediFinFin Medical LoansMediWallet

Products, approval criteria and repayment terms change. Discuss any application directly with the provider.

Funding support

For eligible Jewish couples in financial need, the Malka Ella Fertility Fund may offer assistance through fertility centres across South Africa. We are honoured to work alongside the Fund in supporting qualifying beneficiaries.

Eligibility criteria apply. Confirm directly with the Fund.

Questions to ask your medical aid

Before you commit to anything, call your scheme with this list. Ask for the answers in writing.

  1. Does my plan cover IVF cycles using donor eggs?
  2. Are there age limits or other qualifying criteria?
  3. Do I need pre-authorisation? How long does it take?
  4. How many cycles are covered? Over what period?
  5. Which costs are excluded? Medication, lab fees or agency fees?
  6. Do I need to use a specific clinic or network provider?

How we help

Explain the costsWhich costs are payable to us, which go to your clinic and which fall outside treatment.
Point you in the right directionToward finance providers, clinic billing teams and funding organisations.
Keep it clearHonest answers with no jargon so you can plan with confidence.

Every financial picture is different

Want help understanding the likely costs of your journey or which funding routes are worth exploring? Talk to us. We are here with clarity, compassion and honest guidance.

WhatsApp +27 72 887 1495 Email us