Part of our guide: Fertility treatment cost

This page covers Germany, Austria, and Switzerland.

One cycle of egg freezing in Germany costs roughly €2,000 to €6,000, depending on the clinic and the scope of services, medication and anesthesia included. Most clinics quote amounts between €2,500 and €4,500, in some cases without medication and anesthesia. Storage comes on top: in the price lists evaluated here, it costs €270 to about €600 per year, usually €350 to €400. In Switzerland, expect CHF 4,000 to just over CHF 8,000 per cycle, medication included. In Austria, egg freezing without a medical reason is prohibited until March 31, 2027.

All figures on this page come from clinics’ published price lists, from laws, and from registry data. You will find the sources with their dates at the end. Clinics in Germany bill under the German fee schedule for physicians and therefore usually quote guideline values rather than fixed prices.

Cost ranges by country

Germany Switzerland Austria
Treatment cycle (stimulation, ultrasound, retrieval, freezing) about €1,400 to €5,000 excluding medication about CHF 3,000 to CHF 6,200 excluding medication Egg freezing prohibited until March 31, 2027
Medication per cycle about €550 to €1,000 according to price lists, more in individual cases about CHF 1,000 to CHF 2,500 no reliable figures
Total per cycle (incl. medication and anesthesia) roughly €2,000 to €6,000 roughly CHF 4,000 to CHF 8,200 no reliable figures
Storage per year about €270 to €600 about CHF 360 to CHF 400 no reliable figures
Later use (thawing, fertilization, transfer) Fertilization about €2,500 (figure from one clinic) about CHF 2,000 to CHF 3,000 not applicable
Health insurance for egg freezing does not pay does not pay not applicable

The ranges come from the price lists in the two tables below. What is included in the cycle price differs from clinic to clinic: some include anesthesia, medication, or the first year of storage, while others list them separately. That is why you should always compare the total price.

If a clinic quotes prices plus value-added tax (VAT), we added the statutory 19% for the ranges: that turns €4,000 in Hamburg-Altona into about €4,760, and €500 for storage into about €595. The upper limit for the total price comes mainly from Munich (Dr. Mann): there, cycle monitoring, anesthesia, an external lab, and medication come on top of the €3,000 to €3,500 for egg retrieval.

For Austria, we deliberately do not quote any prices. Egg freezing without a medical indication is prohibited there. The Constitutional Court (Verfassungsgerichtshof) did overturn the ban, but the repeal only takes effect at the end of March 31, 2027. For medical fertility preservation, for example before chemotherapy, we found no current price lists that can be cited publicly. In that case, clarify the costs directly with the clinic and your health insurance fund.

Price lists in Germany

Clinic Price per cycle according to the clinic Included / additional Storage per year
Kinderwunschzentrum Ludwigsburg about €1,970 to €2,520 (sum of the individual items) Stimulation and retrieval €500 to €600, consultation, ultrasound, and blood tests about €200, cryopreservation about €482, anesthesia about €240, medication about €550 to €1,000 about €270 (€135 per half year)
UKSH Kinderwunschzentrum Lübeck about €1,500 for up to 4 eggs, about €200 for each further 4 plus medication about €650 to €1,000 and anesthesia about €280 around €350 (tissue bank)
Kinderwunschzentrum Augsburg about €2,220 Consultation, ultrasound, blood tests, stimulation treatment, retrieval, cryopreservation; plus medication and anesthesia about €364 (€182 per half year)
Kinderwunschzentrum Bonner Bogen (Cologne/Bonn) about €2,900 incl. VAT Ultrasound, retrieval, vitrification, and first year of storage; plus medication and anesthesia €360 plus VAT from the 2nd year
Kinderwunschzentrum Altonaer Straße (Hamburg) €2,500 to €4,000 plus VAT Stimulation, retrieval under anesthesia, freezing for about one year around €500 plus VAT
next fertility Ulm about €2,500 to €4,000 Stimulation, retrieval, freezing about €400
amedes fertility about €4,000 incl. medication and freezing about €400
Kinderwunschpraxis Dr. Mann (Munich) about €3,000 to €3,500 incl. VAT Egg retrieval; plus anesthesia, external lab, medication, initial consultation (about €550), and cycle monitoring (about €200 per appointment, usually 2 to 5 appointments) €380
Kinderwunsch Valentinshof (Hamburg) about €4,500 to €5,000 incl. examinations, stimulation, retrieval, anesthesia, and medication not stated

Medication is the biggest variable. Ludwigsburg and Lübeck quote €550 to €1,000, and Kinderwunschzentrum Kassel reported €1,600 for one case in 2024. How high the dose turns out to be depends on your ovarian reserve and on how you respond to the hormones.

Price lists in Switzerland

Clinic Price per cycle according to the clinic Medication Storage per year
Inselspital Bern (University Clinic for Gynecology) about CHF 3,000 to CHF 4,000 around CHF 1,000 CHF 396
Kinderwunschzentrum Admira (Winterthur) CHF 4,000 to CHF 5,000 fixed costs CHF 1,000 to CHF 2,500 CHF 360
University Hospital Zurich (USZ) CHF 4,500 to CHF 5,500 plus CHF 700 for freezing and storage CHF 1,000 to CHF 2,000 CHF 400
YUNA Ostschweizer Kinderwunschzentrum (St. Gallen) about CHF 4,000 to CHF 6,000 no separate figure A fee applies, amount not stated

In Switzerland, the Federal Act on Medically Assisted Reproduction (Fortpflanzungsmedizingesetz, FMedG) allows germ cells to be stored for a maximum of five years, and for another five years on request.

Example calculation: two cycles and five years of storage

The following calculation is an example, not a price quote. It uses typical ranges from the price lists above, €2,500 to €4,500 per cycle for Germany. Your clinic may be above or below that.

Germany

Item Calculation Total
2 treatment cycles incl. medication and anesthesia 2 × €2,500 to €4,500 €5,000 to €9,000
5 years of storage 5 × €270 to €600 €1,350 to €3,000
Freezing and storage €6,350 to €12,000
Later fertilization of the thawed eggs about €2,500 (figure from Kinderwunschzentrum Kassel) €2,500
Total with one later use €8,850 to €14,500

If the first year of storage is included in the cycle price, as at Kinderwunschzentrum Bonner Bogen or in Hamburg-Altona, the total drops by one annual fee.

Switzerland

Item Calculation Total
2 treatment cycles incl. medication 2 × CHF 4,000 to CHF 8,200 CHF 8,000 to CHF 16,400
5 years of storage 5 × CHF 360 to CHF 400 CHF 1,800 to CHF 2,000
Freezing and storage CHF 9,800 to CHF 18,400
Later use (thawing, fertilization, transfer) CHF 2,000 to CHF 3,000 (USZ) CHF 2,000 to CHF 3,000
Total with one later use CHF 11,800 to CHF 21,400

Preliminary exams: what comes before treatment?

Consultation and diagnostic testing come before stimulation. At some clinics they are included in the cycle price, for example in Augsburg and Ludwigsburg. Others bill them separately:

Service Cost Source
Initial consultation with ultrasound and baseline hormone testing about €550 Kinderwunschpraxis Dr. Mann, Munich
Cycle monitoring about €200 per appointment, usually 2 to 5 appointments Kinderwunschpraxis Dr. Mann, Munich
AMH test as a self-pay service about €50 Fertility practice, Berlin

Your AMH level gives an indication of your ovarian reserve, and therefore of how many eggs to expect per cycle. Ask beforehand whether the clinic includes consultation and ultrasound in the cycle price.

How many cycles do you need?

That depends on your age and on how many eggs you want. How many eggs are needed for a realistic chance of having a child rises with age: for women up to 35, the chance increases markedly up to about 10 to 15 mature eggs (Cobo et al., 2016). At age 38, according to the American professional society ASRM, about 25 to 30 frozen eggs are needed to have a reasonable chance of having a child. In the German IVF Registry (Deutsches IVF-Register, D.I.R.), an average of 11.2 eggs per retrieval was obtained in egg freezing in 2024, and around 76% of them were frozen. That comes to about 8.5 frozen eggs per retrieval.

Age at retrieval Guideline number of frozen eggs Calculated number of cycles* Treatment costs at €2,500 to €4,500 per cycle
up to 35 10 to 15 1 to 2 €2,500 to €9,000
38 25 to 30 3 to 4 €7,500 to €18,000

*Calculated with the registry average of about 8.5 frozen eggs per retrieval. The value applies to all age groups combined (average age 35.3 years); in an individual case, the number can differ markedly.

Up to 35, that is one to two cycles on paper, at 38 three to four. This is a rough estimate, not a forecast: how many eggs you get per retrieval depends on your ovarian reserve. Storage comes on top in each case. That is what makes timing so decisive.

Bills and calculations for egg freezing on a desk

Storage costs over the years

The annual storage fee looks manageable, but it adds up. If you freeze at 32 and use the eggs at 40, you pay for eight years of storage: at €270 to €600 per year, that is €2,160 to €4,800. A figure from Kinderwunschzentrum Kassel in a 2024 newspaper report was considerably higher: around €90 per month.

Ask whether the storage fee goes up if you freeze across several cycles. Kinderwunschzentrum Bonner Bogen, for example, states that costs do not increase for follow-up cycles. Some clinics store eggs themselves, while others pass them on to a tissue bank or cryobank and bill through it, for example Lübeck, Augsburg, and Munich.

What does the health insurance fund cover?

Germany: Statutory health insurance funds do not cover egg freezing, and private insurers generally do not either (the terms of your plan are what matter). The exception is medical fertility preservation: if an illness has to be treated with a therapy that damages germ cells, such as chemotherapy, Section 27a, paragraph 4 of Book V of the German Social Code (Sozialgesetzbuch V, SGB V) gives you an entitlement to cryopreservation. Practices have been able to bill the fund for this service since July 1, 2021. The fund then pays for retrieval, freezing, and storage, for women up to their 40th birthday and for men up to their 50th birthday.

Switzerland: Mandatory basic health insurance (Grundversicherung) does not pay for egg freezing. Since July 2019, it has covered measures for fertility preservation if cancer therapy carries a medium or high risk (over 20%) of a permanent absence of menstrual periods. This now also applies to certain other therapies, such as a stem cell transplant. The entitlement lasts until the 40th birthday, and the insurer pays for storage for a maximum of five years, or for another five years if the ovarian dysfunction persists.

Austria: Egg freezing without a medical indication is not permitted until March 31, 2027. Whether and to what extent the health insurance fund pays for medical fertility preservation is best clarified in advance with your fund.

Reception and waiting area of a fertility clinic

Employer subsidies

In the US, mainly large tech companies offer egg freezing as a benefit. In Germany this has been less common so far, but some companies do pay subsidies. Ask your HR department. Many do not know themselves whether such programs exist.

Financing options

Not everyone can pay several thousand euros at once. Here are the options:

Installment payments: Some clinics offer financing, Kinderwunschzentrum Bonner Bogen, for example, both for treatment and for storage. Ask about the terms.

Medical loan: Specialized providers offer loans for health costs. Compare the interest rates carefully.

Employer programs: Some companies cover the costs as part of their benefits (see above).

Clarify medication costs: Ask whether the medication is billed through the clinic or bought at a pharmacy with a prescription, and compare the total costs.

Costs of later use

What many people do not have on their radar: when you eventually use the eggs, they have to be thawed and fertilized using ICSI, followed by embryo culture and transfer.

Fertilization and transfer: Only a few German clinics publish prices for this. Kinderwunschzentrum Kassel quoted around €2,500 for fertilization in 2024. At University Hospital Zurich, thawing, fertilization, and the transfer of one embryo cost CHF 2,000 to CHF 3,000.

Further transfers: Not every transfer works on the first try. If surplus fertilized eggs are frozen, a later thaw cycle with transfer at UKSH Lübeck costs about €834 for the medical services as a self-pay service, and medication may come on top.

The example calculation above shows what this means overall.

Ways to save

  1. Freeze early: Up to 35, one to two cycles are needed on paper, at 38 three to four. Every additional cycle costs the full price again.
  2. Compare clinics: The price lists evaluated differ by up to about €3,000 per cycle. Compare total prices including medication, anesthesia, and storage. Compare egg freezing providers on Fertilio.
  3. Factor in storage: Ask about the annual fee, about multi-year packages, and whether the first year is included in the cycle price.
  4. Do not count on Austria: There, egg freezing without a medical indication is prohibited until March 31, 2027. From April 1, 2027, the ban no longer applies; exactly what the new rules will look like is still open.
  5. Ask your employer: The worst case is a no.

Checklist before signing a contract

Before you sign, clarify these points:

  • Have the total costs including all additional costs confirmed in writing
  • Project the storage costs over 10 to 15 years
  • Ask about the clinic’s success rates (survival rate after thawing)
  • Clarify the follow-up treatment costs for later use
  • Check the cancellation options for storage
  • Find out about insurance coverage against equipment failure

Frequently asked questions

Does the health insurance fund pay for egg freezing?

Statutory funds do not, and private insurers generally do not either. The only exception: an illness has to be treated with a therapy that damages germ cells, such as chemotherapy for cancer or certain medications for autoimmune diseases. This is then called fertility preservation, and the statutory fund has paid for retrieval, freezing, and storage since July 2021, for women up to their 40th birthday.

What is the total cost of egg freezing up to a pregnancy?

In our example calculation for Germany with two cycles, five years of storage, and one later fertilization, the total comes to €8,850 to €14,500. If you need more cycles, more years of storage, or several transfers, it will cost correspondingly more. You can find more about the cost of fertilization in our article on IVF cost.

Is egg freezing at 38 still financially worthwhile?

The costs rise, and the success rates fall. At 38, about 25 to 30 eggs are needed for a realistic chance of having a child. At the registry average of about 8.5 frozen eggs per retrieval, that is three to four cycles on paper, so €7,500 to €18,000 at €2,500 to €4,500 per cycle, without storage. And the chance per thawed egg is lower than with younger eggs. Still, if you do not have a partner right now and want a child of your own, it can be the best option. More on trying to conceive over 35.

Can I deduct egg freezing for tax purposes?

Generally not. Only costs of illness count as extraordinary burdens (Section 33 of the German Income Tax Act, Einkommensteuergesetz, EStG), and egg freezing without a medical reason is not treatment of an illness. Medically necessary freezing, on the other hand, may be deductible, as long as you pay the costs yourself and they exceed your reasonable burden. Ask your tax advisor.

What does storage cost if I keep my eggs for 10 years?

At €270 to €600 per year, that is €2,700 to €6,000 over 10 years in Germany. In Switzerland, storage is limited by law to five years, and a further five are possible on request. Pay attention to the contract terms: what happens if you switch clinics or the clinic closes?

Conclusion

Egg freezing is above all a question of age: the younger you are when you freeze, the fewer cycles you need and the lower the total costs. Besides stimulation, plan for medication, annual storage, and later use through ICSI. The health insurance fund only pays if a therapy that damages germ cells is coming up. Comparing clinics by total price and getting a written cost statement protect you from unpleasant surprises.

Sources

FE

About this article

Fertilio Editorial Team

The Fertilio Editorial Team researches fertility topics using specialist sources such as the German IVF Registry (Deutsches IVF-Register, D.I.R.), medical guidelines, and statutes. The sources are listed at the end of each article. The content does not replace medical advice.