Is it permissible for the wife to take Zakat money from her well-off husband to cover the costs of her medical treatment (ICSI or IVF) and to fulfill her basic needs for clothing, given his extreme stinginess and refusal to spend on her?

A husband must provide for his wife in a reasonable manner (food, drink, clothing, housing). It is permissible for her to take from his money to cover her expenses if he falls short. Scholars have differed on whether a husband is obligated to cover his wife's medical treatment, but he should do so as an act of kindness. In vitro fertilization (IVF) is permissible if needed, but it is not obligatory for the husband. However, if he is financially capable, he should not deprive his wife of having children. It is advisable to discuss this with the husband gently, reminding him of the rewards and of God's compensation, and to let him hear admonitions indirectly.