IVF Cost in UAE: Complete Breakdown

One of the first questions people ask about IVF is: how much does it actually cost? The answer in the UAE is "it depends" - but this guide will help you understand exactly what you'll pay for, what's typically included (and not), and how to budget realistically.

The Bottom Line: What You'll Actually Pay

Let's start with the straightforward numbers.

IVF Cost Summary

Treatment	Cost Range (AED)	Cost Range (USD)
Basic IVF cycle	20,000 - 35,000	5,500 - 9,500
IVF with ICSI	25,000 - 45,000	6,800 - 12,300
IVF with ICSI + PGT	35,000 - 65,000	9,500 - 17,700
Medications (per cycle)	12,500 - 18,000	3,400 - 4,900
Frozen embryo transfer	8,000 - 15,000	2,200 - 4,100
Egg freezing cycle	15,500 - 40,000	4,200 - 10,900

Realistic total for one complete IVF cycle (including everything): AED 35,000-65,000 (USD 9,500-17,700)

Medications are often the single largest expense and may be quoted separately. Always ask specifically whether medications are included.

Why Costs Vary So Much

Clinic Pricing

Premium clinics in Dubai may charge more
Some clinics have all-inclusive packages; others price separately
Academic or government-affiliated centers may have lower fees

Your Protocol

Higher medication doses = higher cost
ICSI adds cost but isn't always needed
Some people need additional procedures

Add-On Services

What one clinic includes, another charges extra for:

ICSI
Embryo freezing
Extended culture to blastocyst
Assisted hatching

Breaking Down Every Cost Component

1. Initial Consultation and Diagnostics

Item	Cost (AED)
First consultation	500 - 1,500
Diagnostic workup (her)	1,500 - 3,500
Diagnostic workup (him)	800 - 2,000
HSG (if needed)	1,000 - 2,500
Total diagnostics	3,000 - 8,000

2. Medications: Often the Biggest Expense

Item	Cost (AED)
Ovarian stimulation medications	10,000 - 15,000
Trigger shot	200 - 800
GnRH antagonist/agonist	1,000 - 2,500
Progesterone support	500 - 1,500
Total medications	12,500 - 18,000+

3. Monitoring During Stimulation

With 5-8 monitoring visits typical: Total monitoring: AED 3,000 - 6,000

4. Egg Retrieval Procedure

Item	Cost (AED)
Procedure fee	5,000 - 12,000
Anesthesia/sedation	1,500 - 3,000
Total retrieval	6,500 - 15,000

5. Laboratory Work

Item	Cost (AED)
ICSI	3,000 - 8,000 additional
Embryo culture	2,000 - 5,000
Assisted hatching (optional)	1,500 - 3,000
Total lab work	5,000 - 15,000+

6. Genetic Testing (PGT)

Item	Cost (AED)
PGT-A (aneuploidy screening)	5,000 - 15,000
PGT-M (single gene disorders)	8,000 - 20,000+

7. Embryo Transfer

Transfer procedure: AED 3,000 - 6,000

8. Embryo Freezing and Storage

Item	Cost (AED)
Freezing embryos	2,500 - 5,000
Annual storage	1,500 - 3,000 per year

Sample Cost Scenarios

Scenario 1: Standard IVF Cycle

Component	Cost (AED)
Consultations and diagnostics	4,000
Medications	14,000
Monitoring	4,000
Egg retrieval	10,000
Lab work	6,000
Embryo transfer	4,000
Total	42,000

Scenario 2: IVF with ICSI and Embryo Freezing

Component	Cost (AED)
Consultations and diagnostics	4,000
Medications	15,000
Monitoring	4,500
Egg retrieval	10,000
Lab work with ICSI	12,000
Embryo transfer	4,000
Embryo freezing	3,500
Total	53,000

Scenario 3: Multiple Cycles Needed

Many people need more than one cycle. If you need three cycles:

Scenario	Per Cycle	Total (3 cycles)
Standard IVF	42,000	126,000
IVF with ICSI	53,000	159,000

This is why budgeting for potential multiple cycles is important.

Insurance Coverage in the UAE

Thiqa Insurance (Abu Dhabi)

Good news for Abu Dhabi residents: Thiqa insurance provides fertility treatment coverage for eligible individuals.

What's typically covered:

Diagnostic testing
IVF procedures (up to certain limits)
Some medications

Limitations:

Coverage limits vary by plan category
Pre-authorization often required
Not all clinics accept Thiqa for fertility

Private Insurance

Most private insurance plans in the UAE do not cover IVF. However:

Some premium plans have limited fertility benefits
Initial diagnostics may be covered

Ways to Manage Costs

Compare Clinics

Get detailed quotes from multiple clinics. Compare what's included in the base price and total estimated cost for your situation.

Understand Package Deals

Some clinics offer:

Multi-cycle packages (reduced per-cycle cost)
All-inclusive packages
Refund programs (read terms carefully)

Ask About Payment Plans

Many clinics offer:

Installment payments
Credit card payment
Third-party fertility financing

Don't Sacrifice Quality for Cost

While cost matters, the cheapest option isn't always best. Failed cycles are the most expensive outcome.

Questions to Ask About Costs

What exactly is included in your quoted price?
Are medications included? If not, what's the typical medication cost?
Is ICSI included, or is it additional?
What are monitoring costs during stimulation?
Is anesthesia included in the retrieval fee?
What does embryo freezing cost? What about annual storage?
If I need PGT, what's the additional cost?
What would a subsequent FET cycle cost?
Do you offer package deals or multi-cycle discounts?
What payment plans are available?

Financial Planning for IVF

Creating Your Budget

Step 1: Get detailed quotes from 2-3 clinics

Step 2: Add 20-30% buffer for unexpected costs

Step 3: Plan for multiple cycles (average 2-3 cycles to success)

Step 4: Include non-clinical costs (time off, travel, support)

A Realistic Budget Range

Scenario	Budget (AED)
Single cycle, best case	35,000 - 50,000
Single cycle, more realistic	45,000 - 65,000
Multiple cycles (2-3)	90,000 - 180,000
With PGT	Add 10,000 - 20,000

Key Takeaways

Get itemized quotes: A "package price" means nothing without knowing what's included
Budget for medications separately: They're often AED 12,000-18,000 and frequently not included
Plan for multiple cycles: Average is 2-3 cycles to success
Add 20-30% buffer: Unexpected costs happen
Check insurance carefully: Even partial coverage helps

Costs provided are estimates based on 2025-2026 market data and may vary. Always confirm current pricing directly with clinics. This content is for informational purposes only.