EverBloom / Fertility Cost Guide
Nigeria 2026 Fertility Cost Guide
Fertility treatment in Nigeria is expensive, and the full cost is rarely what the headline figure suggests. EverBloom maintains these planning ranges so families can enter the process with realistic numbers, not surprises.
These are planning ranges, not quotes. Figures are compiled from reputable Nigerian pricing sources and updated periodically. Your actual cost will depend on your clinic, your treatment plan, and the medications prescribed. Always obtain a written, itemised quote before committing to treatment.
Treatment Cost Estimates
All figures in Nigerian Naira. Where multiple cycles are listed, each row represents a distinct bundle price, not a cumulative total.
| Service | Estimated Range |
|---|---|
Consultation/Registration | ₦50,000 – ₦100,000 |
Typical IVF (Major Clinics) For a standard cycle using own eggs/sperm | ₦1,500,000 – ₦3,000,000 |
IVF Medications Depending on stimulation plan | ₦1,500,000 – ₦2,500,000 |
Donor-egg IVF bundles, 1 cycle | ₦4,000,000 |
Donor-egg IVF bundles, 2 cycles | ₦6,250,000 |
Donor-egg IVF bundles, 3 cycles | ₦8,500,000 |
IUI (Intrauterine insemination) Excludes tests/drugs | ₦500,000 – ₦1,000,000 |
Preimplantation Genetic Testing (PGT) PGT-A (Aneuploidy) and PGT-M (Monogenic) are IVF embryo screening tests. Excludes IVF costs. | ₦7,000,000 – ₦10,500,000 |
Sperm Cryopreservation | ₦150,000 / 3 months |
Embryo Cryopreservation | ₦300,000 – ₦500,000 / 3 months |
Assisted hatching | ₦250,000 |
TESA | ₦400,000 |
Embryo glue | ₦400,000 |
Surrogacy IVF, 1 cycle IVF component only. Excludes securing the surrogate, which ranges between ₦9M – ₦11M. | ₦4,500,000 |
Surrogacy IVF, 2 cycles IVF component only. | ₦6,750,000 |
Surrogacy IVF, 3 cycles IVF component only. | ₦9,500,000 |
Why the final bill is rarely the headline number
The figure most clinics advertise is a base cycle fee. What families end up paying is often significantly more, because several variables get added on top. Medication protocol and dosage is usually the single largest swing factor, two patients on identical treatment plans can pay vastly different amounts depending on their response to stimulation.
Add-ons such as ICSI, assisted hatching, PGT, and embryo glue are each billed separately, and clinics vary widely on whether they recommend them routinely or only when clinically indicated. Similarly, clinic location and laboratory quality , particularly access to advanced embryology equipment, affect pricing noticeably.
If your pathway involves donor eggs, donor sperm, or a gestational surrogate, each introduces an entirely separate layer of costs. Surrogacy in particular can add ₦9M – ₦11M on top of the IVF component fees shown in the table above. Multi-cycle bundles can offer meaningful savings per cycle, but require a larger upfront commitment.
How to build a realistic budget
The families who navigate fertility costs most successfully are the ones who ask the hard questions early. These five steps make a significant difference.
Request a fully itemised quote
Ask your clinic to break out every line: consultations, scans, medications, theatre fees, lab fees, embryo transfer, freezing, storage, and any elective add-ons. A single line item labelled 'IVF' tells you very little.
Compare single-cycle vs. multi-cycle bundles
Some clinics offer meaningful per-cycle discounts on 2- or 3-cycle plans. If your doctor believes multiple attempts are likely, run the per-cycle numbers before committing.
Ask about medication sourcing
Find out whether your clinic uses imported or locally sourced medications, and whether a lower-cost equivalent is clinically appropriate for your protocol. This is one of the most underused cost levers.
Budget for contingencies
Allow a buffer for cycle cancellations, dose escalations, extra monitoring visits, and the possibility of repeat procedures. Couples who plan only for the ideal-case outcome are often caught short.
Explore every support channel before financing
Look into grant windows, employer benefits, and EverBloom Foundation opportunities before taking on any form of financing. The order in which you access support matters.
EverBloom Foundation
Where we fit in your budget
EverBloom maintains these cost ranges so applicants can arrive with realistic numbers, not guesses, when they apply for support. Our grants are awarded based on documented financial need and a verified treatment plan.
We do not cover every cost in every case. Our awards work best as part of a broader financial plan that includes clinic negotiations, multi-cycle bundle comparisons, and any employer or community support the family can access. Applicants who have done this groundwork, and can show it, tend to receive more targeted, higher-value support.
This guide is informational only. It does not constitute medical or financial advice, and it does not replace a clinic-issued written quote.
Frequently asked questions
Are these prices guaranteed?
No. These are current planning ranges compiled from reputable Nigerian pricing references. Always request a written, itemised quote from your clinic before beginning treatment.
Why do costs vary so much between clinics?
Medication dosage and protocol, optional lab add-ons, clinic location, and laboratory capability are the main variables. A single IVF cycle can differ by millions of naira between providers.
Can EverBloom cover my full treatment cost?
EverBloom awards are needs-based and tied to a verified treatment plan. We encourage applicants to co-budget and compare clinic options before applying, our support works best alongside other financial planning.
How current are these figures?
We review and update these ranges periodically against published and reported clinic pricing. The figures shown reflect Q1 2026 Nigerian market data.