Infertility is no doubt one of the most expensive diseases. Aside it being emotionally draining, it is also financially exhausting! From the regular consultant appointments, to the various tests, drugs, through to the cost of procedures and repeat for unsuccessful treatments. In Ghana the cost of IVF treatments is around Ghc17,000 upwards.

 Many couples have remained unable to achieve their heart desire of a baby because of financial constraints. The enormity of societal pressure and stigma, emotional burden and accompanied financial burden makes life almost impossible for couples facing infertility.

Finding money for any venture seems to be difficult of late. Prolly due to the credit crunch and bad economy. Whether it’s to start a business or to feed ones family. But I have iterated some of the most likely ways to find money to fund your infertility journey.

Savings is the safest way to fund a venture. It is preserving money regularly for future use. Money is set aside over time till the right amount is reached. You can add more value to your savings by putting the money in an investment fund. So that while you wait, the money grows. Many couples as a first point of call rely on their savings before attempting other options.
Savings even though risk free and less burdensome, takes a long time to achieve the desired amount. Time is not a luxury for couples facing infertility.

Many argue that infertility is a social issue not a medical one and thus should not be covered under health insurance. That is debatable considering the definition of health by the world health organization. (A state of complete physical, mental and social wellbeing and not merely the absence of disease). Notwithstanding, in some countries like the United States, Japan, China, Singapore etc., many insurance providers cover infertility treatments. The coverage range from total coverage to part.

In Ghana unfortunately, no local insurance company covers fertility treatments. Some foreign insurance providers like CIGNA and GROUPMENT work up premiums to cover some treatments. Some companies empathize with their staff and provide some sought of financial help to those who might require fertility treatments.

Until you explore options available to you, you might never know what opportunities await. Why not walk into your HR office and enquire about your options. You can also find out if your insurance company can work something out with you.

A friend once told me that life runs on loans and I couldn’t agree more considering the current economic conditions. People take loans to buy cars, build houses, and get an education. Some even for weddings. A loan can be acquired for pretty much everything so why not to achieve your dream of a baby?

It means getting money upfront for a venture and paying back at a convenient pace.  A venture which hitherto could not be afforded.
Taking a loan for fertility treatments should not be absurd. You can explore the prospects of a loan from your bank, friends or relatives.


Access bank has this initiative which supports women’s reproductive health called access W initiative. Any woman can walk into any of their branches and have a chat with them. Under this scheme, the bank provides a loan to the client with no collateral needed. If you are a salaried worker there indemnify your salary and work out a repayment plan with you. If you are not, any family member who is salaried worker can do that on your behalf. The bankers pay directly to the hospital where you will have your procedure and provide top up if the procedure fails and a repeat is needed. Pass by any of their branches and have a chat with them.

To be continued…