Costs and funding
The ATO can approve early release of superannuation on compassionate grounds for certain medical treatments, including IVF in defined circumstances. It requires supporting medical evidence, is taxed, and reduces retirement savings. Consider financial advice, and be wary of businesses charging fees to make the application for you.
Also known as: accessing super for IVF, compassionate release of super
Related Australia guides
Planning tools
Sources
- Australian Government Department of Health, Disability and Ageing (health.gov.au)
Last reviewed: 10 September 2026. Written by the Antega Editorial Team. General information only — always follow the advice of your own clinic, doctor or pharmacist.