What does IVF cost with EOPYY and a loan?

Before you ask for a loan, count what EOPYY gives. The loan comes out smaller than you fear.

For a woman up to 50, the ΕΟΠΥΥ gives the stimulation medicines free and pays back 352.16 € after each completed attempt, for up to four attempts.
For three attempts that makes €1,056.
You ask the clinic for the price of the treatment in writing, and the tool works out what is left to you and the instalment of a loan.

Calculate

The treatment

Price of one attempt € Attempts Medicines of one attempt €

EOPYY

Insuredwith EOPYY Without EOPYYyou pay for everything

Age of the woman years

The loan

Loan amount € Yearly rate % Instalments months

The answer

Left for you to pay: -
Instalment a month: -

EOPYY covers all 3 attempts: it gives the stimulation medicines free and pays back €1,056.
Type the price of the treatment from the written price list of your clinic, to see what is left to you.
Without a loan you pay no interest.

The 352.16 € come after each completed attempt, that is egg retrieval and embryo transfer, not before.
The approval of the EOPYY committee is asked before the stimulation, and at least four months pass between attempts.
The costs of the loan raise the APR a little above the rate. Compare loans by their APR.

In what order an attempt is paid

First EOPYY, with the approval of its committee before the stimulation: the medicines free and the 352.16 € after each completed attempt. Then private insurance, which pays for tests and complications, not the procedure. Last the loan, only for what is left.

How we work it out

The example sets no price for the treatment or the medicines, because we found no public document with the prices of the clinics. Type the prices from the written price list of your own clinic.

The cost is the price of the procedure times the attempts, plus the medicines of the attempts EOPYY does not cover. From it come off the 352.16 € of each covered attempt. EOPYY covers women up to the age of 50, for up to four attempts in all.

The instalment comes from the formula of equal monthly instalments. The rate is the nominal one with the 0.6% levy of Law 128/1975, as banks print it: the 12.30% of the National Bank of Greece and the levy give the 227.02 € of its table. The costs of the loan do not enter the instalment, and that is why the APR comes out a little higher.

Sources

Workenter: the 352.16 € of EOPYY for IVF, conditions and procedure, 18 April 2026
EOPYY: approval procedures for IVF, circular 13820, 12 April 2013
National Bank of Greece: APR of consumer loans, 16 September 2026

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Frequently asked questions

What people usually ask

01 Does EOPYY pay for IVF?

In part. With the approval of its committee it gives the gonadotropins free and pays back 352.16 € after each completed attempt, for women up to the age of 50 and for up to four attempts. You pay the procedure itself at the clinic.

02 What counts as a completed attempt?

Egg retrieval together with embryo transfer. The 352.16 € are paid after it, not before the treatment.

03 Is there a special loan for IVF?

We found no special loan and no state programme that pays the procedure at a private clinic. Whoever borrows for IVF takes an ordinary consumer loan. Compare the offers by their APR, which counts the interest together with the costs.

04 What does a loan of 10,000 € over five years cost?

In the table of the National Bank of Greece of 16 September 2026, 10,000 € in 60 instalments have an instalment of 227.02 € and an APR of 13.89%. The table gives a total cost of 13,584.59 €.

05 Does private health insurance pay for IVF?

Not the procedure. It does pay for the tests through a diagnostics plan, and for a complication that needs a hospital stay.