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Health Insurance for IVF Treatment
Health Insurance for IVF Treatment covers the cost of obtaining infertility treatment through In vitro fertilization (IVF). It pays for the IVF, or In vitro fertilization, is a type of assisted reproductive technology (ART) that helps women conceive outside their bodies. medical expenses incurred on assisted reproductive treatments, doctor consultations, medicines, diagnostic tests, day care procedures, in-patient hospitalization, etc. incurred during the IVF treatment. However, most health insurance plans that cover IVF have a waiting period of up to 3 years.
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- Health Insurance for IVF Treatment
What is IVF?
It involves fertilizing the mature eggs of a woman by the sperms of a man in a laboratory dish if it does not happen naturally. The fertilized eggs or embryos are then placed in the woman's uterus for the baby to develop.
IVF is the most effective type of infertility treatment, with a success rate of 60-70%. It involves five basic steps – Stimulation or super ovulation, Egg retrieval, Insemination & fertilization, Embryo culture and Embryo transfer. While IVF treatment can be done using a couple's own eggs and sperms, it is also possible using a donor's eggs, sperms or embryo.
When is IVF Treatment Required?
IVF treatment is carried out to resolve infertility issues resulting from the following:
- Advanced maternal age of women
- Polycystic Ovary Syndrome (PCOS)
- Damaged or blocked fallopian tube
- Ovulation disorders
- Uterine fibroids
- Endometriosis
- Issues with sperms, such as decreased sperm count
- Previous surgery to prevent pregnancy
- Genetic disorder
- Cancer treatment like chemotherapy or radiation
- Unexplained infertility
Benefits of Buying Health Insurance for IVF Treatment
Take a look at the benefits of buying health insurance that covers IVF treatment:
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Expensive Cost of IVF Treatment
IVF treatment is an expensive procedure. The average cost of IVF treatment in India ranges from ₹70,000 to ₹3,00,000 per cycle, depending on the city and the hospital. Moreover, multiple cycles may be required for a successful pregnancy, which makes it difficult to afford for many couples. Fortunately, IVF medical insurance plans make it possible for couples to afford IVF treatments and become parents.
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Decline in Fertility Rate
The fertility rate has been falling rapidly in India. As per the United Nations, India's fertility rate has dropped from 6.2 in 1950 to 2 children per woman in 2024. Stress, poor lifestyle, delayed marriages & family planning and genetic factors are the main reasons behind this drop in fertility rate. As a result, more and more couples are turning towards IVF for help. Health insurance that covers infertility treatments pays for the high cost of IVF, supporting couples financially in realising their dreams of having a baby.
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High Demand for IVF Treatment
The demand for IVF treatments has increased massively over the last decade. As per reports, around 2-2.5 lakh IVF cycles are conducted in India every year, with a projected increase to 5-6 lakh IVF cycles by 2030. The dipping fertility rate in the country is majorly responsible for this high demand for IVF. With medical insurance that covers IVF treatment, couples can easily opt for this assisted reproductive treatment without worrying about how to pay the bills.
List of Health Insurance for IVF Treatment in India
Check out the list of health insurance plans that cover IVF treatment in India:
| IVF Medical Insurance Plans | IVF Coverage Limit/ Sum Insured (₹) | Entry Age | Waiting Period |
| Bajaj Allianz HERizon Care Plan | 1 lakh to 3 lakh | 21 to 45 years | 2 years |
| Care Ultimate Care Plan | 50,000 to 5 lakh | 18 years onwards | 1 year, 2 years |
| Cholamandalam Flexi Health Supreme Plan | Up to ₹2 lakh | 18 to 75 years | 2 years |
| Digit Health Insurance Plan | 30,000 to 10 lakh | 18 years onwards | 6 months, 9 months, 1 year, 2 years, 3 years, 4 years |
| Future Generali Health PowHER Plan | 2 lakh to 3 lakh | 18 to 65 years | 3 years |
| HDFC ERGO my:Optima Secure Plan with Parenthood Cover | 50,000 to 2 lakh | 18 years | 2 years |
| Liberty HealthPrime Connect Plan | 50,000 to 1 lakh | 18 to 65 years | 3 years |
| Magma HDI OneHealth Insurance Plan | Up to 50,000 | 18 to 40 years | 3 years |
| ManipalCigna ProHealth Prime Insurance Plan | Up to 2.5 lakh | 18 to 60 years | 3 years |
| National Parivar Mediclaim Plus Plan | 50,000 to 1 lakh | 18 to 45 years | 2 years |
| New India Assurance Floater Mediclaim Plan | 1 lakh to 2 lakh | 18 to 65 yeara | 3 years |
| Niva Bupa Aspire Plan | 4,000 to 25,000 | 18 to 65 years | 9 months, 1 year, 2 years, 4 years1 |
| Oriental Happy Family Floater Plan | Up to 2 lakh | 18 to 65 years | 3 years |
| Royal Sundaram Lifeline Insurance Plan | Up to 2.5 lakh | 18 to 45 years | 4 years |
| SBI Super Health Edge Insurance Plan | Up to 1 lakh | 18 to 65 years | 4 years |
| Star Health Super Star Plan | 1 lakh to 4 lakh | 18 years onwards | 2 years |
| Universal Sompo Complete Healthcare Insurance Plan | 50,000 to 1 lakh | 18 to 45 years | 2 years |
| Zuno Health Plus Insurance Plan | 1 lakh to 5 lakh | 18 years onwards | 2 years |
See more plans
Inclusions of Health Insurance for IVF Treatment
Health insurance that covers IVF treatment includes the following:
- Ovarian stimulation, egg fertilization and fertilization
- Embryo transfer to the uterus
- Embryo harvesting
- Pre-implantation diagnostic tests
- OPD doctor consultations
- In-patient hospitalization expenses
- Day care procedures
- Medicines
- Teleconsultations
Note: The coverage may vary from one health insurance plan for IVF Treatment to another.
Exclusions of Health Insurance for IVF Treatment
IVF cover in health insurance excludes the following expenses:
- Cost of donor eggs and sperms
- Payment to surrogate or gestational carrier
- IVF procedures conducted without doctor's recommendation
- Pre and post-treatment expenses
- Unproven, experimental or investigational sub-fertility services
- Reversal of voluntary sterilization
- Cryopreservation and storage of eggs, sperms and embryos
- IVF treatment for second or subsequent children
- IVF services done at an unrecognized centre
- Surgeries/procedures to enhance fertility like bariatric surgery, tubal occlusion, diagnostic laparoscopy with ovarian drilling, etc.
- Complications resulting from IVF treatments
Tips to Care After an IVF Treatment
Here are a few tips to follow after an IVF treatment:
- Rest adequately for recovery and optimal embryo implantation conditions.
- Eat a balanced diet rich in iron, proteins, healthy fruits and vegetables.
- Drink at least 2-3 litres of water every day and stay hydrated
- Stay positive and stress-free by practising yoga and meditation
- Follow your doctor's advice and take medicines on time
- Avoid any strenuous exercises that involves heavy lifting
- Limit consumption of caffeine, alcohol and tobacco
- Avoid places of extreme temperatures, like saunas
Health Insurance for IVF Treatment: FAQs
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Q1. Is IVF covered in medical insurance?
Ans: Yes. IVF treatment is covered by several medical insurance plans. -
Q2. Can I claim medical expenses for IVF?
Ans: Yes. You can claim medical expenses for IVF if your health insurance policy comes with IVF treatment cover. -
Q3. Can I get health insurance for IVF?
Ans: Yes. You can get health insurance for IVF from several insurance companies in India.
Health insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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