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Egg Freezing 100% Refund Programme at London Women’s Clinic

The UK's first money-back egg freezing programme

  • Get your money back if fewer than 20 eggs are retrieved over 4 egg collections
  • Take control of your family planning options and give yourself the best chance of having the future you want
  • Use our 0% interest free loan to help pay for your egg freezing package
  • Borrow up to £12,000 and pay it back over 12 monthly payments, removing the need for one lump-sum payment before treatment
  • Subject to eligibility and credit checks. Non-payment could affect your credit rating

This 0% payment plan is not a regulated consumer credit product and is not covered by the Financial Conduct Authority (FCA). 
This means you will not benefit from the same protections that apply to regulated credit agreements.

London Women's Clinic brand logo

London Women’s Clinic in partnership with Access Fertility

Access Fertility are proud to form an exclusive partnership with London Women’s Clinic to offer the UK’s first Egg Freezing 100% Refund Programme. This gives you the financial reassurance that if fewer than 20 eggs are collected during your treatment, you’ll get your money back.

Lady behind desk of well-lit reception area

Who are London Women’s Clinic?

London Women’s Clinic is a leader and pioneer in reproductive medicine and has been at the forefront of egg freezing treatments for more than 15 years. London Women’s Clinic is the only clinic in the UK to have a dedicated egg freezing department and offers the most up-to-date and advanced treatment options for egg freezing.

As experts in egg freezing techniques, they have frozen and thawed more eggs than any other unit in the UK and have recently published their findings from the largest UK study on egg freezing outcomes, which you can read more about here.

Why should I freeze my eggs?

The chances of conceiving and having a healthy baby is very dependent on a woman’s age. Egg freezing provides the opportunity for women to store eggs at the age and quality they are at the time of their treatment. Women may wish to consider egg freezing if they are currently not ready for a pregnancy, or their fertility is at risk due to certain medical conditions which may affect the quality or quantity of their eggs.

Whatever your circumstances are for wanting to freeze your eggs, one thing is certain – the best time to freeze your eggs in when you are in your 20s or early 30s. This is when the quality of your eggs is at its best, and when you produce the highest quantity of eggs to give you the best chance of a future pregnancy.

Graph showing age and egg equality - egg quality falls as age rises

The younger you are, the higher quantity and better quality of eggs you would expect to have.

Source: London Egg Bank

Why collecting 20 eggs increases your chances of having a baby

Egg quality declines with age, and the chances of an egg fertilising, developing into an embryo and becoming a pregnancy is largely dependent on egg age and quality.

When you decide to use your frozen eggs, it is important to understand that not all eggs will survive thawing, fertilise and become an embryo which can be transferred for a chance of pregnancy. Therefore, the more eggs you freeze, and the younger you are when you freeze them, the higher your chances of having a baby in the future with those frozen eggs.

We recommend 20 eggs being frozen to give you the best chance of success in future fertility treatments.

Below are papers that detail the research undertaken to understand more around the number of eggs to be frozen, what age is best to freeze eggs at, and what chance this gives you when using the eggs in the future:

The UK’s largest ever egg freezing study, undertaken by London Women’s Clinic

Association between the number of eggs and live birth in IVF treatment

Frozen Eggs More Efficient Option Than In Vitro Fertilisation for Women Starting Families Later

Fifteen years of autologous oocyte thaw outcomes from a large university-based fertility center

Am I eligible for the Egg Freezing 100% Refund Programme?

  • Available to patients under 40 years old
  • AMH of 12 pmol/L and above
  • Ovaries appear normal and accessible on a recent pelvic ultrasound scan

The UK's first money-back egg freezing programme

Find out more about egg freezing

Find out more about the benefits and reasons behind egg freezing.

Why egg freezing might be right for you.

A more in-depth look at egg freezing and hear from some patients who have been through the process.

Where can I have this treatment?

London Women’s Clinic Bromley 

London Women’s Clinic Harley Street

London Women’s Clinic Harrow (Satellite Clinic)

London Women’s Clinic London Bridge Centre (Satellite Clinic)

London Women’s Clinic Cardiff Wales

London’s Women Brentwood (Satellite Clinic)

London Women’s Clinic Brighton (Satellite Clinic)

London Women’s Clinic Bristol (Satellite clinic)

London Women’s Clinic Canterbury (Satellite Clinic)

London Women’s Clinic Colchester (Satellite Clinic)

London Women’s Tunbridge Wells (Satellite clinic)

Frequently asked questions:

Do I need to be registered with London Women’s Clinic (LWC) to start the application process?
Yes, patients need to have had their initial consultation and been given a treatment plan in order to apply.

Will this be available at all LWC clinics?
This will be available at all of the LWC clinics apart from LWC Darlington.

Will I need to complete fertility tests?
Yes, patients will need to complete a fertility MOT including a pelvic ultrasound scan, AMH test, and fertility consultation. These assessments will provide a greater understanding of your current ovarian reserve and fertility status. This will not be covered by the Access Fertility finance option.

Is there an age cut off to access the programme?
Patients 39 and under will be able to apply, subject to eligibility criteria.

What are the eligibility criteria?
This programme will be subject to a medical review. Patients would need to be age 39 and under and have an AMH of 12 pmol/L or above to apply for this programme. Our medical team will also review the medical notes provided by the clinic including AFC, recommended protocol and dosage, and physical data such as BMI.

Is there a BMI requirement?
There is no set BMI requirement, but BMI will be taken into account as part of the medical review alongside other factors.

Why is the maximum age of the Egg Freezing 100% Refund programme 39 and under?
The reason behind the age limit is to ensure that patients have the best chance of a positive outcome and a good number of eggs are retrieved. We do also have another programme which may be suitable for you if you’re over 39, which you can see here.

Will the programme include the initial consultation?
No, this is not covered by our programmes as standard and would need to be paid separately to your clinic.

How many cycles will the programme include?
The Egg Freezing 100% Refund Programme will offer up to 4 egg freezing cycles.

Will this include egg thaw, fertilisation and embryo transfer?
No, this will only include egg freezing.

Will the programme cover medication?
TBC Please note that any additional medication not covered by the programme would need to be paid separately to your clinic.

How long will the egg freezing be covered? Do I need to use my eggs within a certain timeframe?
The programme will cover up to 4 egg freezing cycles and the initial 12 month storage fee for the frozen eggs. Cover for the first year of storage starts from the date of the first egg collection. For example, if your first egg collection was on 01/11/24, the storage fee is covered until 01/11/25, regardless of any further egg collections.

Is there a set time period within which I need to have the 4 egg collection cycles?
Yes, all cycles need to be completed within 12 months of the initial enrolment date.

How long can my eggs be frozen for?
HFEA regulations state that eggs can be frozen for up to 55 years in the UK.

What happens if no eggs are collected? Will the cycle be lost?
If, unfortunately, no eggs are collected, this will still count as a complete cycle, and you would move on to your next egg freezing cycle when you are ready to do so.

Do I need to complete all 4 egg freezing cycles before I can transfer any resulting embryos?
You can thaw and fertilise the eggs but please bear in mind you would need to complete all cycles before you can proceed with any embryo transfers. Any costs associated with egg thaw, fertilisation and embryo transfers will not be covered by the programme and will need to be paid directly to LWC.

What happens if my cycle is cancelled? (before egg collection)
All cancelled cycle fees will need to be paid to LWC. Patients will then be able to repeat their cycle when they are ready to do so.

Am I obligated to complete all 4 cycles if I no longer want to do so? Will I get any refund?
We understand your circumstances may change over time. Patients can withdraw from the programme at any time if for any reason they did not want to continue with egg freezing treatment. In this case, our finance team will need to calculate your withdrawal amount based on the amount of treatment reported by your clinic. Refunds will take 30 days to be processed as standard from the time you signed the withdrawal form.

Do I need to register my partner as part of the programme?
No, only if you want to or if your partner is paying some/all of the programme fee.

Can I arrange to have another IVF cycle or other fertility treatment alongside the Egg Freezing Programme if I pay for this myself?
No, this will be classed as unauthorised treatment and is not compatible with our programmes. You would need to complete your Egg Freezing 100% Refund Programme before you can proceed with any other fertility treatment. Alternatively, you can withdraw from your programme and may be entitled to a partial refund depending on how many cycles you may have had at the time of withdrawal.

Is there any reason Access Fertility may remove me from the programme?
TBC

What is the Access Fertility finance option?
Patients can apply for our Buy Now, Pay Later (BNPL) option up to cover the costed treatment plan/egg freezing cycle up to a maximum of £12,000 per year once you have signed your consent form.

What can the BNPL loan be used for?
The loan can only be used to cover the cost of the Egg Freezing 100% Refund Programme.

What is the refund offered?
We will refund 100% of your programme fee if fewer than 20 frozen or mature eggs are collected after a maximum of 4 egg collection cycles.

Can I apply for a partial amount?
Yes, patients can apply for a loan up to the maximum amount of the programme fee. If you wish to take a lower amount, you will need to pay the remaining balance to Access Fertility before starting treatment.

How long does the BNPL application take?
Patients should allow up to two weeks for the application to ensure they have enough time for the loan to be approved before they start treatment.

When do I need to have the loan in place?
The loan needs to be in place and funds cleared before you start your egg freezing cycle.

Can my partner apply for BNPL?
Yes, your partner will be able to submit the BNPL application.

Can I use another Access Fertility programme and/or have a single egg freezing cycle funded through BNPL alongside the Egg Freezing 100% Refund Programme?
No, these are fully separate so this will not be possible. If you would like to apply for one of our own other programmes you would need to withdraw from your Egg Freezing 100% Refund Programme and start a new application.

How do I make payment for any partial remaining programme fee amount if I qualify for a partial loan amount?
The remaining balance would need to be paid via our online payment portal via bank transfer before starting treatment with your clinic.

Egg freezing success:

The increase in demand for egg freezing has been cited by the HFEA as being a result of improved freezing techniques and rises in egg survival rates. 

As part of a 15-year study of egg freezing, the results between treatments using eggs that have been frozen and routine IVF with fresh eggs show comparable results, when taking into account age, egg quantity and egg quality.

This has helped give people further reassurance that egg freezing can give you more control over your fertility treatment options, without any compromise in potential success rates.

If you undertake a fertility MOT at London Women’s Clinic, you will be provided with a free, personalised fertility assessment that will help you to understand more about your predicted success rates so that you can make an informed decision about egg freezing.

If you undertake a fertility MOT at London Women’s Clinic, you will be provided with a free, personalised fertility assessment that will help you understand more about your options.

Discuss your options, speak with our team:

CALL ACCESS FERTILITY 03300 10 20 40

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