IUI Treatment Cost in Pakistan – Complete 2026 Guide
Thinking of IUI to conceive? Knowing the costs up front can ease the stress. In Pakistan, a single IUI cycle typically costs around PKR 20,000–60,000 in private clinics, with lower fees in public hospitals.
This guide breaks down the expenses (consultations, drugs, lab fees and more), city-by-city variations, and the factors that change your total bill.
If you would like a personal estimate, you can book a consultation with Dr. Kamran Saleem at any of our three Lahore locations. Fees are shown before you confirm.
What Is IUI and Who Needs It?
IUI (intrauterine insemination) is a fertility treatment where washed sperm is placed directly into the uterus around ovulation. It is less invasive and cheaper than IVF.
IUI is commonly recommended for couples with:
- Mild male-factor infertility (see male infertility treatment)
- Unexplained infertility
- Cervical factor issues
- Ovulation problems, often combined with ovulation induction
Learn more about the procedure on our IUI treatment page.
How Much Does IUI Cost in Pakistan?
Expect roughly PKR 20,000–60,000 per cycle in major private clinics. Public hospitals may charge less (around PKR 10,000–20,000), but exact fees should always be confirmed.
Rates are usually lower in smaller cities and public hospitals, and higher in top private centres. The total depends on which components are included:
- Consultation
- Baseline tests
- Semen analysis
- Ovulation drugs
- Monitoring scans
- Sperm preparation (lab fee)
- The IUI procedure itself
- Post-IUI medication
Illustrative example: a couple might pay about PKR 5,000 for the initial consultation, PKR 7,000 for baseline tests, PKR 3,000 for semen analysis, PKR 10,000 for drugs and monitoring, and PKR 5,000 for the procedure, a total of roughly PKR 30,000.
Key takeaway: Plan for more than one cycle. Most pregnancies from IUI occur within 2–3 cycles, so budget at least PKR 50,000–100,000 in case multiple rounds are needed. Always ask for an itemized quote.
City and Clinic Price Comparison
IUI cost varies by city and clinic type. Private clinics in Karachi and Lahore may charge PKR 30,000–60,000, while smaller cities may be PKR 20,000–40,000. Public hospitals and charity clinics can be considerably less.
| City / Provider | Approx. IUI cost (PKR per cycle) |
|---|---|
| Karachi (private) | 30,000 – 60,000 |
| Karachi (public) | 10,000 – 20,000 |
| Lahore (private) | 25,000 – 55,000 |
| Lahore (public) | 12,000 – 25,000 |
| Islamabad / Rawalpindi | 20,000 – 50,000 |
| Peshawar | 18,000 – 40,000 |
| Quetta | 15,000 – 35,000 |
These are estimates based on regional pricing trends, not published tariffs. Confirm exact figures with each clinic.
If you are in Lahore, see our clinics in DHA (Rasheed Hospital), M.M. Alam Road (TAMC) and Shalamar (Shahnaz Hospital).
Key takeaway: Shop around. City and clinic type affect price significantly. Government and NGO programs may offer discounts but can have longer waits.
What Does the IUI Cost Cover? (Itemized Breakdown)
The total covers doctor’s fees, lab tests, medications, ultrasounds and the insemination itself.
| Item | Estimated cost (PKR) |
|---|---|
| Initial consultation | 1,000 – 3,000 |
| Hormone blood tests (hormonal analysis) | 2,000 – 4,000 |
| Baseline ultrasound / HSG | 2,000 – 5,000 |
| Semen analysis | 1,000 – 2,500 |
| Ovulation drugs (per cycle) | 500 – 5,000+ |
| Monitoring scans (2–3 scans) | 2,000 – 6,000 |
| Sperm preparation (wash) | 3,000 – 5,000 |
| IUI procedure fee | 5,000 – 10,000 |
| Progesterone support | 500 – 1,500 |
| Total (approx.) | ~17,000 – 42,000+ |
Illustrative only. Actual costs vary by clinic and treatment plan, and injectable drugs can push the total higher.
Key takeaway: Compare itemized quotes. Some clinics bundle fees while others charge separately for tests, drugs and scans. A clear breakdown avoids surprises.
Factors Influencing IUI Cost
The main factors are the clinic (public or private), the city, the treatment protocol (natural or medicated cycle) and the level of monitoring.
- Clinic and location: Premium clinics in big cities charge more.
- Medication protocol: Natural cycles cost less, while injectables add thousands of rupees. Oral drugs such as clomiphene or letrozole are cheap (around PKR 500 per tablet), whereas gonadotropin injections can cost PKR 5,000–10,000 per cycle. Read more about ovulation induction and PCOS care.
- Monitoring intensity: More ultrasounds and blood tests mean higher fees.
- Donor sperm: If needed, extra screening and donor fees apply.
- Repeat cycles: The total multiplies with each attempt.
- Currency movements: Exchange rates can affect the price of imported drugs.
Key takeaway: Personalized plans cause wide cost swings. Ask your doctor whether a simpler protocol is both cheaper and effective for you.
Success Rates of IUI
IUI success is modest: roughly 10–25% per cycle, depending on age and fertility factors.
- Women under 35: about 20–25% per cycle
- Women 35–40: about 10–15%
- Women over 40: about 5%
- Cumulative success after 3 cycles can reach 40–60% for good candidates
Odds are lower when there is tubal damage or severe male infertility, in which case IVF is usually advised. Age, sperm quality, ovulation function and uterine health all matter. A female fertility assessment and male fertility assessment help show whether IUI is a good fit.
Key takeaway: Plan realistically. Many couples need 2–3 cycles. If IUI is unsuccessful after a few tries, consider IVF.
Treatment Pathway and Timeline
A typical IUI cycle takes about 2–4 weeks from the first consultation to the pregnancy test.
- Week 1 – Consultation and tests. Consultation (day 1), baseline tests (days 2–5), medication starts (days 3–5).
- Week 2 – Ovulation induction and monitoring. Follicle ultrasounds around days 10–13. See ovulation assessment.
- Week 3 – Trigger and insemination. hCG trigger around day 14, then IUI about 36 hours later.
- Week 4 – Two-week wait. Blood pregnancy test 10–14 days after IUI.
Key takeaway: Be prepared for about a month per cycle and plan time off work around the procedure and scans.
IUI vs IVF: Pros and Cons
IUI is less invasive and cheaper than IVF, but also less effective for many patients.
| Aspect | IUI | IVF |
|---|---|---|
| Cost per cycle | Lower (PKR 20,000–60,000) | Higher (PKR 150,000–300,000+) |
| Success rate | Modest (5–25% per cycle) | Higher (30–50% per cycle) |
| Invasiveness | Minimal (simple catheter) | Invasive (egg retrieval) |
| Suitable for | Mild or unexplained infertility | More complex infertility |
| Recovery | A few hours | Day-surgery recovery |
| Insurance | Rarely covered | Rarely covered |
See our pages on IVF treatment and ICSI treatment for more detail, or read our guides on IVF vs IUI and ICSI treatment in Lahore.
Key takeaway: Use IUI as a first step for mild infertility. If it fails after a few attempts, discuss IVF.
Financing and Insurance Options
Most Pakistani health plans do not cover fertility treatment such as IUI, so upfront payment is the norm.
- Few employers or insurers include fertility services.
- Some NGOs and charitable hospitals may subsidize treatment.
- Many patients pay out of pocket or use personal loans. Check local banks and women’s health programs for medical financing.
At Kamran Fertility Clinic, fees are shown before you confirm any booking. Message us on WhatsApp to discuss costs.
Key takeaway: Confirm financing before you start and budget for multiple cycles.
Patient Experience and Considerations
IUI is usually quick and well tolerated, with minimal recovery. Anxiety tends to centre on cost, timing and the wait.
- The procedure is often compared to a Pap smear: more nerve-wracking than painful. Injections and blood draws are usually the more uncomfortable part.
- The “two-week wait” is emotionally hard. Counselling and support groups can help.
- Timing matters, so ovulation tracking is important.
Our support and second opinion service is available if you want an independent view on a plan from another clinic.
Key takeaway: Ask plenty of questions, bring your partner for support and follow all medication and aftercare instructions.
Contraindications and Risks
IUI is not suitable for everyone. It is unlikely to work when both fallopian tubes are blocked or male infertility is severe.
- Contraindications: fully blocked tubes (checked with HSG), severe endometriosis or fibroids, and severe male factor infertility.
- Risks: multiple pregnancy (if many follicles develop), mild cramping or spotting, very rare infection, and ovarian hyperstimulation syndrome (OHSS) with aggressive drug use.
Key takeaway: You will be screened first to confirm IUI is appropriate. Discuss risks and alternatives with your doctor.
Alternatives and Next Steps
If IUI is unsuitable or fails, IVF is the next option, despite the higher cost (often PKR 150,000+ per cycle).
For mild issues, timed intercourse with ovulation medication is a simpler and cheaper alternative. Other options include ICSI, frozen embryo transfer and egg and sperm freezing.
Key takeaway: Use IUI first only if recommended, and plan financially in case IVF is needed later.
Frequently Asked Questions
What is intrauterine insemination (IUI)?
A fertility procedure where washed sperm is placed directly into the uterus around ovulation. It moves sperm closer to the egg and is often combined with fertility drugs to time ovulation. Recovery is quick and no anesthesia is needed.
How much does an IUI cycle cost in Karachi or Lahore?
Typically PKR 30,000–60,000 in top private clinics, and possibly PKR 10,000–25,000 in public hospitals. Costs include consultations, tests, medication and the procedure. Always get an itemized quote.
Does insurance cover IUI in Pakistan?
Rarely. Most plans do not cover fertility treatment, so costs are usually out of pocket. Some charities and hospitals offer discounted programs for low-income couples.
What factors affect IUI success rates?
Age is the biggest factor: about 20% per cycle under 35, dropping to around 5% by 40. Sperm quality, ovulation health, uterine conditions, BMI and smoking also play a role.
Can I do IUI at home?
No. IUI should be done in a clinic under medical supervision. Home kits do not replace proper sperm washing, timing and sterile technique.
Is IUI painful?
Most women report minimal discomfort. It feels like mild pressure or a pinch. Cramping or spotting for a day or two afterward is common.
How many IUI cycles are needed?
Many couples try 2–3 cycles. Since per-cycle success is around 10–20%, clinics often recommend up to three attempts before re-evaluating.
How long until I know if I am pregnant?
About two weeks after the procedure. A blood beta-hCG test is done 10–14 days post-IUI. Early symptoms such as cramping or spotting are not conclusive.
What are common mistakes after IUI?
Ignoring medical instructions, such as skipping prescribed progesterone or follow-up visits. Avoid heavy lifting, extreme exercise and alcohol during the wait.
If IUI fails, what next?
Consider IVF. After 2–3 unsuccessful cycles, specialists often recommend IVF or ICSI, which cost more but have higher success rates.
Ready to Talk?
If you would like a personalized plan and cost estimate, message Dr. Kamran Saleem’s clinic on WhatsApp. Learn more about Dr. Kamran Saleem or browse our fertility resources.