PHI doesn't really cover IVF/ICSI. The only thing you may get some money back on is day bed fees for EPU. Everything else isn't covered. You need to go to see a fertility specialist for a referral and have tests for viability. IVF/ICSI may not even be suitable for you.
If IVF/ICSI isn't suitable then there's nothing else we can do..

Thanks for the advice though