Accessing Super for IVF Treatment
Patients can access their superannuation to cover approved IVF and fertility treatments through compassionate release, provided they meet eligibility criteria.
Super for Health provides a trusted, compliant service to guide patients and practitioners through this process, ensuring full alignment with ATO regulations and safeguarding patient outcomes.
IVF Expense can be a Heavy Burden
IVF treatment is deeply personal, but also financially challenging. While Medicare may subsidise certain components such as diagnostic tests or GP visits, the majority of IVF-related treatment costs fall outside the public system. Private health insurance also offers limited coverage—often with strict exclusions and significant out-of-pocket expenses.
In cases where the emotional and psychological toll of infertility meets the ATO’s medical eligibility criteria patients may be able to access their superannuation through compassionate release. For many individuals and couples, this financial pathway can make fertility treatment more achievable.
Helping Patients Pursue Parenthood
We understand how important IVF and fertility treatment can be for people hoping to start or grow their families. The early release of superannuation provides a pathway to access medically necessary IVF services, ensuring patients can focus on their journey without added financial stress.
The ATO requires that eligible expenses must relate to the treatment of a medical condition and must be recommended by a medical practitioner. Common treatment expenses that may be eligible include:
Fertility Specialist Fees
Includes initial consultations, diagnostic testing, and treatment planning.
IVF Cycle Costs
Covers procedures such as egg collection, embryo transfer, and associated laboratory services.
Medication & Hormonal Support
Includes prescribed fertility medications and hormone therapies.
Surgical Procedures
Includes medically necessary procedures such as laparoscopic surgery, endometriosis treatment, or sperm retrieval.
Built on Ethics,
Backed by Experience.
At Super for Health, trust is at the heart of everything we do. Our patient-first approach, unwavering commitment to compliance, and deep industry expertise make us the trusted choice for superannuation access in healthcare.
By aligning with ATO and healthcare standards, we ensure every application is handled with the utmost integrity, giving patients and healthcare professionals peace of mind.
“Accessing my super was vital—I simply couldn’t afford treatment otherwise. The process was quick, straightforward, and my case manager was incredibly kind and helpful. Thanks to Super for Health, I was able to get the care I needed, relieve chronic pain, and improve my health.”
Considerations before applying
Applying for compassionate release of superannuation involves understanding the following:
Compliance with Regulations
Applications must align with ATO guidelines to avoid delays or rejections.
Medical Assessment
Patients must consult with their dentist to create a treatment plan that outlines the required procedures and their medical necessity.
Tax Implications
Depending on your age, releasing funds early may result in a tax liability. You may need to pay tax on any amount withdrawn, which could impact your overall financial situation.
Required Documentation
Applicants must provide comprehensive medical evidence and may be required to submit financial documentation to support their case.
At Super for Health, we ensure patients and practitioners are equipped with the knowledge and support needed to navigate these requirements seamlessly.
How Super for Health Can Help
Expert Guidance
We assist patients in understanding their eligibility and preparing their applications in compliance with ATO standards.
Support for Medical Practitioners
We provide resources and expertise to help practitioners certify applications ethically and accurately.
Ethical and Transparent Approach
Our process prioritises integrity and ensures that all cases meet the highest compliance standards.
For IVF Practitioners
We work closely with IVF and fertility providers across Australia to provide a smooth and compliant process for early super access. Our service is designed to support your patients while reducing operational burden on your team.
By working with Super for Health, your clinic benefits from:
- A trusted, transparent partner in early super applications.
- Dedicated support from industry-experienced case managers.
- Secure systems and workflows to protect patient data.
- Reporting tools to support oversight and coordination.
Learn More
For Medical Practitioners
Explore how Super for Health supports medical practices with ethical, compliant, and patient-first solutions for accessing superannuation for medical treatments.
For Patients
Learn how Super for Health helps patients navigate the compassionate release of superannuation with expert guidance and clear, transparent support.