Thailand PGT IVF Payment Plans: What International Patients Should Know

If you are considering PGT IVF in Thailand, payment is often one of the least transparent parts of planning. Most clinics expect payment in stages rather than one lump sum, and the total can shift if your treatment plan changes. There is no single standard payment plan across Thailand, and no approved source for this article provides fixed prices or universal terms. What follows is a practical framework for understanding how payment structures usually work, what can change the amount you owe, and which questions to ask before you pay a deposit.

At a glance

• Payment is usually staged: consultation and testing first, then treatment, then optional add-ons such as PGT or embryo storage.
• Quotes may be itemised or bundled, and the two are not always easy to compare.
• Deposits, refund rules and currency conversion can affect your real cost as much as the headline figure.
• Ask for a written quote that states what is included, what is excluded and when each payment is due.
• Confirm payment methods, currency and any card or transfer fees directly with the clinic.

Why PGT IVF costs are usually staged

PGT IVF is not a single procedure. It typically involves an initial consultation, fertility testing, ovarian stimulation, egg retrieval, laboratory work, embryo culture, a biopsy for genetic testing, the genetic test itself, and a later embryo transfer. Because each stage depends on the results of the one before it, clinics often bill in stages rather than asking for the full amount upfront.

This staging matters for planning. You may be asked to pay for consultation and testing before you know whether treatment will proceed. You may be asked for a treatment payment before stimulation begins. PGT and storage fees may be quoted separately because not every cycle produces embryos suitable for testing. Ask the clinic to map your expected payments to each stage of your own plan, not to a generic package.

Common payment structures you may encounter

Payment structures vary by clinic and by patient. The categories below are common ways clinics organise fees, but the specific terms are clinic-specific and should be confirmed in writing.

• Itemised pricing: each service, scan, medication, laboratory step and test appears as a separate line. This can be easier to audit but harder to compare at a glance.
• Bundled or package pricing: a group of services is quoted as one figure. Ask exactly which services are inside the bundle and which are outside.
• Stage-based payments: payments are tied to milestones such as starting stimulation, retrieval or transfer.
• Deposit to reserve a cycle: a partial payment may be required to hold a start date or a place in the laboratory schedule.
• Pay-as-you-go add-ons: PGT, additional testing, medication changes, embryo storage or a second cycle may be charged separately.

What can change the amount you owe

A quote is a starting point, not a guarantee. The following factors commonly affect the final amount, and you should ask how each one is handled in your case.

• Medication dose and duration: stimulation protocols are adjusted to your response, so medication use can differ from the initial estimate.
• Number of embryos tested: PGT fees are often linked to how many embryos are biopsied or tested.
• Additional laboratory procedures: techniques such as ICSI or assisted hatching may or may not be included.
• Embryo freezing and storage: storage is usually charged periodically, and the period and renewal terms vary.
• Cycle cancellation or conversion: if a cycle is stopped or changed, the refund and billing rules matter.
• Extra monitoring or visits: additional scans, blood tests or consultations may be billed separately.
• Currency movement: if you pay in a currency other than the clinic’s, exchange rates and bank fees can change the amount that leaves your account.

Deposits, refunds and cancellation terms

Deposit and refund rules are among the most important terms to read before paying. They are also among the most variable. Ask for the policy in writing and make sure you understand:

• What the deposit reserves, and whether it is applied to treatment or held separately.
• Whether the deposit is refundable, partly refundable or non-refundable.
• What happens if you cancel before stimulation, during stimulation, or after retrieval.
• What happens if the clinic changes your plan for clinical reasons.
• How refunds are issued, in which currency, and who bears transfer or conversion fees.
• How long a refund takes to process.

If a clinic cannot give you a written refund policy, treat that as a reason to ask more questions before committing.

Currency, payment methods and cross-border payments

International patients usually pay from abroad, which adds a layer of cost and risk. Confirm the following with the clinic’s finance team rather than assuming:

• Which currencies the clinic accepts and which it does not.
• Whether the quote is fixed in one currency or converted at the time of payment.
• Which payment methods are accepted, such as international bank transfer, credit or debit card, or other channels.
• Whether the clinic or your bank charges a conversion or transaction fee, and who pays it.
• What proof of payment the clinic provides, and how payments are receipted.
• Whether any payment protection or escrow arrangement is available.

Keep a record of every payment, the currency used, the exchange rate applied if relevant, and the receipt. If you are paying in stages, a simple payment log makes it easier to reconcile the final invoice.

How to compare quotes from different clinics

Comparing quotes is difficult when one clinic bundles and another itemises. A table can help you line up the same categories across clinics, but you will need to fill it with each clinic’s own written figures. Do not rely on verbal estimates.

Comparison point	What to confirm
Consultation and testing	Included or separate? What is the scope?
Medication	Included, capped or billed as used?
Retrieval and laboratory	Which laboratory procedures are inside the quote?
PGT	Charged per embryo, per batch or as a package?
Embryo storage	Included for how long, and what are the renewal terms?
Transfer	Included in the same cycle quote or billed later?
Deposit and refunds	Written policy, timing and currency
Payment methods	Accepted currencies, fees and receipts

Questions to ask a clinic before you pay

1. Can you send a written, itemised quote for my proposed plan?
2. Which items are included, and which are commonly billed separately?
3. What could change the total, and how would I be told before extra charges apply?
4. What deposit is required, and what does it reserve?
5. What is your refund and cancellation policy at each stage?
6. Which currencies and payment methods do you accept, and what fees apply?
7. How and when will I receive receipts and a final invoice?
8. Who is my point of contact for billing questions?
9. What happens to payments if my cycle is cancelled or converted?
10. Are there any periodic charges, such as storage, that continue after treatment?

A short planning checklist

• Request written quotes from more than one clinic and compare like for like.
• Separate one-time costs from recurring costs such as storage.
• Read the deposit and refund policy before paying anything.
• Confirm currency, payment method and who pays conversion fees.
• Keep a payment log with dates, amounts, currencies and receipts.
• Ask how you will be notified of any change to the quoted amount.
• Budget a contingency for medication changes, extra testing or a further cycle.

Where to go next

If you are still at the planning stage, start with our overview for international patients and our guide to IVF costs in Thailand. When you are ready to compare clinics or ask about payment terms, you can contact us, and our patient resources section can help you organise your questions and documents.

Frequently asked questions

Can I pay for PGT IVF in Thailand in instalments?

Many clinics structure payment in stages rather than offering a formal instalment plan, but this varies. Ask each clinic directly whether staged payments are available, when each payment is due, and whether any deposit is required to reserve a cycle. Get the schedule in writing before you commit.

Are deposits for PGT IVF refundable?

Refund rules differ between clinics and often depend on how far your cycle has progressed. Ask for the written policy covering cancellation before stimulation, during stimulation and after retrieval, and confirm how and in which currency any refund would be issued.

What currency should I use to pay a clinic in Thailand?

This depends on what the clinic accepts and how your bank handles the transfer. Ask which currencies are accepted, whether the quote is fixed or converted at payment, and who pays any conversion or transaction fee. Keep receipts for every payment.

Why is my final PGT IVF bill different from the initial quote?

Quotes are usually estimates. Medication dose, the number of embryos tested, additional laboratory procedures, storage and any change to your cycle can all affect the final amount. Ask in advance how and when you would be told about extra charges.

Should I compare PGT IVF quotes from several clinics?

Yes, but compare like for like. Ask each clinic for a written itemised quote covering the same categories, including what is excluded, deposit terms, refund policy and payment methods. A lower headline figure may exclude items another clinic includes.

Continue your research

• International patient guide
• IVF cost planning
• Patient resources

Medical information notice: This article is educational and does not replace individual assessment, diagnosis, genetic counselling or treatment advice from a licensed clinician. Provider services, availability, fees and policies should be verified directly before booking.