Payment  Plan Options Available at Rainbow Fertility

Rainbow Fertility offers several payment plan options.  These payment options are only available for Rainbow Fertility fees and cannot be used to pay for external provider fees such as Hospital, Anaesthetist, Pharmacy and Specialist fees.  These fees are to be paid to the external provider directly.

The payment options available are as follows:

Full Up-Front Payment

This Payment option is available for all cycle types/procedures and for all patients regardless of Medicare Eligibility.  With this payment option, the full Rainbow Fertility fees are to be paid up front on or prior to the first day of your cycle commencing.  If you are eligible for Medicare rebates, the first day that an online claim can be submitted to Medicare is on the day of egg collection.

No Up-Front Payment Plan

Our No Up-Front Payment Plan is a flexible payment plan that allows patients to commence their cycle, with payment delayed until the day that egg collection takes place.  On the day of egg collection, an online claim is submitted to Medicare, resulting in rebates being paid within 3-5 business days.

To access this payment option, a credit card authorisation form must be completed prior to the commencement of the cycle.  This authorisation form gives Rainbow Fertility permission to deduct Rainbow Fertility fees on the day of egg collection.  The credit card must be valid and have a credit limit that covers the full cost of treatment.

Instalment Payment Plan

This payment option allows you to pay a designated amount on or prior to the first day of commencing your cycle.  The balance of your fees is payable on the day of egg collection and will be deducted from your nominated credit card.

To access this payment option, a credit card authorisation form must be completed prior to the commencement of the cycle.  This authorisation form gives Rainbow Fertility permission to deduct the remaining Rainbow Fertility fees on the day of egg collection.  If you wish to pay the remaining fee via a method other than credit card, then please contact the clinic at least two days prior to egg collection to arrange.  Please check with patient services for the current designated instalment amount.

Direct Debit/Credit Payment Plan

This payment option allows the patient to make a direct debit/credit into Rainbow Fertility’s bank account.    If patients wish to use this option full payment would need to be received into Rainbow Fertility’s bank account prior to egg collection.  If direct debit/credit was to be made after the commencement of the patient’s cycle a credit card authorisation form would need to be completed prior to or on the day of commencing the cycle as a form of security.  The credit card is not deducted unless payment is not received by the date of egg collection.

If paying via direct debit/credit it is vital that you put your Full Name in the description/reference section so we are able to allocate the payment to you.  We do not recommend a cash transfer through your local bank as often the reference section is not noted making it difficult for us to identify you as the payee.  Please contact Patient Services for Rainbow Fertility’s bank account details.

Accessing Superannuation

Rainbow Fertility is happy to introduce SuperCare. SuperCare is an external service provider based on an Australian Government initiative to assist individuals and their families access their superannuation to cover medical costs.Baby Feet

The SuperCare IVF Services Advice Team can facilitate the funding required for various treatments, including:

  • IVF
  • Donor sperm
  • Donor eggs
  • Egg freezing
  • Endometriosis
  • Obstetrics and gynaecology
  • Women’s health

Accessing your superannuation for IVF-related treatment is an individual choice.

SuperCare’s primary goal is to help support individuals by relieving the financial stress that may occur when undergoing fertility treatment. 
SuperCare is the only company in Australia specifically established to assist individuals access their superannuation to fund IVF treatments and other medical treatments, in an efficient and timely manner. By doing so, SuperCare ensures that its patients receive the priority treatment they deserve.

SuperCare’s consultants are with their patients every step of the way, facilitating and taking the hassle out of the entire application process. As an integral part of your health support team, SuperCare’s consultants pride themselves on their personal approach and work as a team with their patients to ensure an easy, efficient and stress-free result.

SuperCare has intimate working knowledge of the process, so we can inform you of your options. Patients just need to contact SuperCare directly to enquire. This can be done by visiting the SuperCare website:


Financial Payment Plans

Rainbow Fertility are happy to introduce 

MacCredit are a broker that provides credit assistance and payment plan options tailored to suit your needs, requirements and objectives.  They specialise in offering suitable, flexible payment plans for various treatments including cosmetic, medical and dental procedures that start from $4,000 and service over 20,000 patients in Australia every year. As a multi-award winning broker, MacCredit are committed to providing a reliable service which compares payment plan options from their panel of lenders.  MacCredit will review your situation and select the best payment plan option to help you meet the costs of the IVF procedure.

Their application process is streamlined which may assist you to move forward with your treatment sooner rather than later.

Click here for repayment amounts if you would like to check what your repayments will be based on your personal requirements.

Patients can contact MacCredit directly on 1300 884 355 for more information or complete the short application form by clicking here.

Disclaimer:  MacCredit provide general comments only before taking into account your objectives, financial situation or needs.  Before taking any action you should consider the appropriateness of any comments having regard to your objectives, financial situation and needs. If this relates to the acquisition, or possible acquisition, of a particular credit product you should obtain and consider the relevant disclosure documents before applying for the product. Terms and conditions apply.

Credit Representative 484002 is authorised under Australian Credit license 389087


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Rainbow Fertility has a responsibility to provide Assisted Reproductive Technology (ART) based on relevant state or federal laws and guidelines. All individuals/couples are encouraged to obtain their own legal advice regarding the relevant legislation applying to their circumstances.