Navigating fertility treatment funding in the UK
For people facing infertility, fertility treatment can offer a route forward. Access to NHS-funded treatment, however, is not identical everywhere. NICE sets clinical recommendations, while local NHS commissioners decide what is funded in practice.
First, an important update: CCGs are now ICBs
Older fertility information often refers to Clinical Commissioning Groups (CCGs). In England, local commissioning is now handled by Integrated Care Boards (ICBs). If you are checking eligibility, make sure the policy you are reading is the current ICB policy for your area.
What does NICE recommend?
NICE published updated fertility guidance in March 2026. For people under 40 who meet the guideline's criteria, NICE recommends offering an initial three full cycles of IVF. A full cycle includes one episode of ovarian stimulation and transfer of any fresh and frozen embryos resulting from it.
For unexplained fertility problems after regular unprotected vaginal intercourse, NICE uses two years of trying as part of its IVF criteria. That is different from the NHS advice to speak to a GP after one year, or sooner from age 36 or where a fertility problem is already known.
Why can access still vary?
NICE recommendations and local funding are not the same thing. NHS treatment available to you can depend on your local ICB. Policies may include eligibility criteria and limits that are not identical from one area to another.
This variation is why fertility funding is often described as a postcode lottery.
Criteria you may see in local policies
Age
Age is clinically relevant to IVF success and appears in NICE criteria. Local policies can apply their own thresholds within commissioning rules.
Previous treatment
NICE states that previous self-funded IVF should not itself preclude NHS treatment, although previous full cycles count towards the total NICE recommends.
Existing children
NICE's quality standard says the existence of living children should not be a factor that precludes fertility treatment, but local policies have historically varied.
Health and lifestyle criteria
Some local services use criteria relating to factors such as BMI or smoking. Check the current policy rather than assuming one national cut-off applies everywhere.
How to check what applies to you
- Ask your GP which ICB covers your address.
- Search that ICB's current fertility-treatment or assisted-conception policy.
- Check the publication or review date so you are not relying on a superseded CCG document.
- Ask whether any eligibility decision can be reviewed or appealed if your circumstances are unusual.
- If you are considering self-funded treatment, use the HFEA clinic directory to compare licensed clinics.
The bottom line
There is a national evidence-based framework for fertility treatment, but NHS access can still depend on where you live. Use NICE to understand the clinical recommendation and your local ICB policy to understand what is actually commissioned in your area.
Current guidance
NICE NG257: Fertility problems – assessment and treatment
NHS: Fertility treatment
HFEA: Choose a fertility clinic







