Infertility is a growing concern for many couples in India, with millions facing challenges in starting or expanding their families. In 2025, about 27.5 million couples of reproductive age are struggling with infertility, but only a small percentage seek medical help, with just 1% opting for IVF treatment. Despite the increasing availability of fertility treatments, the high costs and limited insurance coverage often make it difficult for many to access the care they need.
While some health insurance policies in India are beginning to offer partial coverage for IVF treatments, they often only include basic procedures like consultations and diagnostic tests, leaving out more advanced treatments or multiple cycles. This can be a significant barrier for many couples, making it harder to afford the care needed to make their dream of parenthood a reality.
In this article, we will explore some of the best health insurance plans in India that cover IVF treatments. Without waiting further, let's get started.
Top 6 Health Insurance Plans for IVF Patients
| Feature | Bajaj Allianz HERizon Care (Cradle Care or Vita Shield) | Care Classic | Future Generali Health Absolute |
Safe Tree IVF Insurance Underwritten by Care Health Insurance |
Magma HDI OneHealth | Niva Bupa Aspire - M-iracle |
|---|---|---|---|---|---|---|
| Infertility Treatment Covered | Yes, covers various infertifility and motherhood treatments as addon/optional under cradle care or vita shield | Yes, covers IVF, IUI, ICSI (for sub-fertility) provided both husband and wife shall continuously covered under this Policy at every block. |
Yes, Infertility Expenses (Over And Above Maternity Limit) are covered under the Platnium and Signature plan. |
Yes, covers IVF and IUI - This health insurance plan provides coverage for a range of infertility treatments. This product provides coverage for 2 IUIs and 2 IVFs treatment at India’s leading fertility chain. - Covers both male and female infertility issues. |
Yes, covers IVF procedures (inpatient/day-care) up to sub-limit (Need to buy add-on cover under the main policy) |
Yes, covers IVF Treatments (including Antenatal check-ups, GIFT, ZIFT, ICSI) under the M-iracle plan |
| Age Criteria / Age Range |
- Cradle Care : Surrogacy Care 25 years to 35 years, Oocyte Donor 23 years to 35 years - Mother Hood: Assisted Reproductive Technology Expenses 21 years to 45 years - Nurture Nest: Egg Freezing 21years to 45 years, Surgical management for Infertility 21years to 45 years - Fetal flourish: Congenital: Up to 40 years for mother |
18–60 years Age criteria specific for IVF not mentioned by generally would be below 40 years. |
The Insured Person undergoes the treatment up to 45 years of age. | Not specified, but the eligibility to buy the insurance plan requires you to be below the age of 35 years | 18–No cap on maximum entry age, IVF before age 40 | 18–46+ years |
| 10. Waiting Period | 24 months for IVF/fertility coverage. | A waiting period of 36 months from the date of first inception of this policy | Insured has completed at least 36 months of continuous coverage from the first inception | 24 months | A waiting period of 3 years from the Policy Inception Date | 9 months to 48 months depending on the plan you select |
| 6. Cashless Facility | ~7,000+ hospitals |
~20,800+ hospitals Not applicable for IVF treatment, you will only have to opt for reimbursement |
Yes, ~6,000+ hospitals | Yes | Yes, ~7,000+ hospitals | Yes, (~10,000+ hospitals) |
| 7. Pre/Post Hospitalization | Usually 30 days pre / 60 days post. Fertility treatments must be inpatient for coverage; OPD or day-care might be partial. | 60 days Pre-hospitalization / 90 days post-hospitalization | Generally 60 days pre / 90 days (120 days in platninum plan and 180 days in signature plan) post if hospitalization is required. Confirm if IVF procedure is day-care or inpatient. | Not specified, but typically 30 days pre / 60 days post – exact details to be confirmed with the provider |
30 to 60 days pre / 60 to 90 days post (based on different plans) |
60 days and 180 days respectively. |
|
8. Premium Range (Approx. Annual) |
~₹10k–₹18k (per year) for a 30-year woman, sum insured ₹5–10L (includes women-centric benefits, including fertility). | ₹8k–₹12k | ~₹12k–₹20k | Need to contact insurance provider | ~₹8k–₹15k | ₹12k–₹20k |
| 12. Claim Settlement % (Overall) | ~93–95% | ~93–95% | ~90–94% | ~90–94% | ~90–92% | ~89–90% |
| 13. Unique Benefits |
- Critical Illness Cover – for listed 34 Critical Illness Conditions - Surrogacy Support & Oocyte Donor Cover - Surgical treatment of Infertility cover - Egg Freezing procedure cover - Assisted Reproductive Technology expenses - Maternity & Pre-natal health |
- Enjoy parenthood with coverage for assisted reproductive treatment - Add-on benefits of OPD-cover, Diagnosis, and Consultations |
- Covers infertility treatment - Cover for enhanced vaccination for new born baby - Enhanced maternity benefits with additional cover for girl child and coverage for new born baby under mother’s policy. - Wellness benefits like free health check ups, mental health guidance, and discounts on health brands. |
- Enjoy 2 IUI and 2 IVF treatments with a cashless treatment benefit after 24 months. - Hospitalization for non-infertility treatments with a Sum Insured of INR 2,50,000. - Income Tax Benefits Under Section 80 D of Income Tax Act |
- Unlimited recharge of your Sum Insured in case Sum Insured and Cumulative Bonus is insuficient due to previous claim in policy year (for regular claims, not for IVF treatment) |
- Covers expenses around maternity, IVF, surrogacy, adoption & more - Carry forward unutilised M-iracle sum insured maximum up to Booster+ limits. |
| 14. Is Portability Available | Yes (IRDAI guidelines) | Yes (IRDAI guidelines) | Yes (IRDAI guidelines) | Not mentioned | Yes (IRDAI guidelines) | Yes (IRDAI guidelines) |
| 15. Sum Insured (in ₹) |
₹5L – ₹2cr Nurture Nest: Sum Insured – INR 1L / 2L / 3L Indemnity base pay out Expenses towards Surgical management for Infertility - up to Sum insured Adoption Expense - up to INR 50,000 Egg Freezing (Cryo-Preservation) procedure Expense - 30% of Nurture nest Sum Insured MotherHood: Sum Insured – INR 1L / 2L / 3L Indemnity base pay out Assisted Reproductive Technology Expenses Maternity Expense Fetal Flourish: Sum Insured INR 1L / 2L / 3L / 4L / 5L Indemnity based pay out Pre-natal Health Congenital Disability Benefit Hospital Daily allowance: Sum Insured – INR 1000 / 1500 / 2000 per day (Mother / Child is hospitalised (until child turns 1 year old), max up to 10 days over and above Fetal Flourish Sum insured) |
₹5L–₹15L |
₹5L – ₹50L For Infertility treatments, the Life time limit for this benefit is ₹ 1 Lakh under Platinum Plan and ₹ 2 L under Signature Plan. |
Not disclosed, confirm with the insurance provider | ₹2 Lakh to ₹3 Crore |
₹3L–₹1cr (M-iracle Sum Insured per year: 4000 to 25,000 INR based on the plan) |
| 17. Policy Type (Individual / Floater) | Individual or Family Floater |
Individual or Family Floater (both spouses must be on same policy for IVF coverage) |
Both – can include spouse, but fertility coverage typically applies to female insured. | Individual or family floater. | Individual or Family Floater |
Individual or Family Floater (verify conditions for IVF coverage) |
| 18. Policy Tenure | 1 / 2 / 3 /4 / 5 years (renewable) | 1 / 2 / 3 years (renewable) | 1 / 2 / 3 years (renewable) | Unknown. Likely 1 or 2 years, renewable. | 1 / 2 / 3 years (Lifetime renewability) | 1 / 2 / 3 years (renewable) |
| 19. Refill / Restoration Benefits | Not mentioned clearly, check with insurance company |
Yes for normal claims (Not usually for IVF sub-limit) |
Yes (fertility portion often excluded from restoration) | Possibly not provided | Unlimited recharge up to 100% of SI in a policy year (excludes IVF coverage) | Yes (applies to major hospitalization, excludes IVF sub-limit) |
| 20. No Claim Bonus | Not mentioned clearly, check with insurance company | Yes, from 25% up to 150% over time | Cumulative Bonus shall be increased by 50% to 100% in respect of each claim free policy year. | Not specified. | Yes, from 10% of Sum Insured up to maximum of 100% | Cashback on every claim free year |
*Please read the disclaimer at the end of this page before purchasing this policy.
Our Top 4 Picks for IVF Patient Health Insurance
Bajaj Allianz HERizon Care (Cradle Care / Vita Shield)
This policy is designed specifically for women and includes coverage for Assisted Reproductive Technology (ART) treatments. It helps with expenses related to procedures like IVF, IUI, and other fertility treatments. The plan also includes coverage for critical illnesses, legal expenses in specific situations, and maternity-related care, making it a well-rounded option for those looking for comprehensive health protection.
Why It Stands Out
Covers expenses for assisted reproductive treatments, including IUI, IVF, embryo transfer, ICSI, GIFT, and ZIFT.
The plan can be customized based on individual needs.
Provides financial support for legal expenses in specific cases.
Includes coverage for 34 serious illnesses, including general and female-specific conditions.
Offers care for both surrogate mothers and oocyte donors.
Potential Limitations
There is a waiting period of 24 months from the start of the Motherhood cover before ART-related claims can be made.
ART coverage is allowed only once during the policyholder’s lifetime.
The sum insured under the Motherhood cover cannot be higher than the sum insured under Vita Shield.
The plan is available for women between 21 and 45 years of age.
Future Generali Health Absolute
This policy provides extensive coverage for infertility treatment along with additional maternity and newborn care benefits. It goes beyond just medical expenses by also including wellness benefits like free health check-ups and mental health support. If you’re looking for a plan that covers both physical and emotional well-being during the fertility treatment process, this policy offers a well-rounded approach.
Why It Stands Out
Includes coverage for infertility treatments.
Covers both physical and mental health, ensuring overall well-being.
Provides added benefits like free health check-ups, mental health support, and discounts on healthcare products.
Covers advanced vaccinations for newborns.
Allows coverage for up to 15 family members, regardless of their age.
Offers extended maternity benefits, including extra coverage for a girl child and newborn baby under the mother’s policy.
Restores the sum insured even if the same illness occurs again.
Potential Limitations
A waiting period of at least 36 months is required from the time the policy starts to be eligible for infertility treatment coverage.
Infertility treatment is covered only up to the age of 45.
There is a lifetime limit on infertility treatment expenses: ₹1 Lakh under the Platinum Plan and ₹2 Lakhs under the Signature Plan.
Migration and portability benefits are not applicable for infertility-related expenses.
The plan does not cover:
Expenses for surrogacy using a third-party surrogate or gestational carrier.
Consultation fees, diagnostic tests, or procedures to diagnose infertility.
Any complications that may arise due to infertility treatment.
Niva Bupa Aspire – M-iracle
For couples considering IVF, surrogacy, or adoption, the Niva Bupa Aspire plan with M-iracle coverage offers financial support for these important life decisions. This policy is designed to ease the financial burden of assisted reproduction and maternity-related expenses while also offering long-term benefits for policyholders.
Why It Stands Out
The M-iracle benefit helps cover costs related to maternity, IVF treatments, surrogacy, and adoption. This makes it one of the few health plans that support families in various ways.
The Lock the Clock+ feature ensures that your premium stays fixed at the entry age until a claim is made. What's even better? M-iracle claims do not impact this age lock.
With the Live Healthy benefit, policyholders can get up to a 30% discount on their renewal premium, making long-term coverage more affordable.
If you’re unmarried, the Future Ready feature ensures that your future spouse can be added to the plan without extra waiting periods, offering seamless coverage.
The Booster+ feature allows any unused M-iracle sum insured to be carried forward, ensuring better coverage over time.
Potential Limitations
The waiting period for M-iracle benefits varies—it's either 48 months, 24 months, or 9 months, depending on the plan.
The biological mother must be insured under the policy unless the case involves surrogacy or legal adoption.
This benefit is only valid within India.
Any maternity-related complications are covered only under the M-iracle sum insured, not the base sum insured.
The adoption expenses covered under the plan follow the limits set by the Central Adoption Resource Authority (CARA).
Medical tests for an adopted child are covered up to ₹10,000, but only after legal adoption is finalized.
The maximum annual coverage under M-iracle is linked to the base sum insured. For example, with a ₹3 lakh base sum insured, the M-iracle coverage is ₹4,000 per year. Higher base sums allow for higher M-iracle benefits.
Care Classic (Care Insurance)
The Care Classic plan is another option for those considering assisted reproductive treatments (ART) like IVF, IUI, and ICSI. This policy offers support for fertility treatments while ensuring access to a wide hospital network for overall healthcare needs.
Why It Stands Out
This plan helps cover the costs of IVF, IUI, and ICSI, making fertility treatments more accessible for couples struggling to conceive.
ART benefits can be used once every 3 years, providing a structured approach to fertility-related expenses.
Care Insurance has a vast hospital network (16,500+ hospitals), giving policyholders more choices for treatment and care.
Potential Limitations
ART coverage is only available if you choose a sum insured of ₹5 lakh or more.
Both husband and wife must be covered under the same policy to access IVF benefits.
The maximum ART benefit per policy year is ₹2 lakh.
A waiting period of 36 months applies before ART-related claims can be made.
The policy does not cover surrogacy, donor eggs/sperm, cryopreservation, or reversal of sterilization.
What is IVF?
In Vitro Fertilisation (IVF) is a medical process that helps couples struggling with infertility. It involves combining an egg and sperm outside the body, in a controlled laboratory setting.
Here’s how it works: First, an egg is collected from the woman’s ovaries, and sperm is collected from the man. These are then combined in a laboratory, where fertilisation happens outside the body. If the sperm successfully fertilises the egg, the resulting embryo is carefully monitored.
Once the embryo is ready, it is placed into the woman’s uterus, with the hope that it will implant and grow, leading to a successful pregnancy. IVF has helped many couples achieve their dream of having a child, especially when natural conception is not possible.
What are the Major Causes of Infertility?
Infertility can be caused by many factors. Here are some common causes you should be aware of:
If any of these apply to you, it might be a good idea to explore assisted reproductive treatments. And don’t worry-having an insurance plan that covers IVF can bring peace of mind.
Does Insurance Cover In Vitro Fertilization (IVF)?
Some insurance policies such as the ones we listed above, do offer coverage for IVF. However, for the other ones, it often depends on the plan, provider, and specific conditions. Coverage may include consultations, diagnostic tests, and part of the treatment costs, while some policies might exclude IVF entirely. It’s always a good idea to go through your policy details or speak with your insurer to understand what is covered and what isn’t.
Why Health Insurance Matters for IVF Patients?
If you're going through IVF, you already know it's a long and emotional journey. The costs, the treatments, and the uncertainty can be overwhelming. This is where health insurance can make a real difference. Here’s why having coverage for IVF can help:
Key Features to Look for in a Health Insurance Plan for IVF Patients
Finding the right health insurance plan for IVF treatment can make a big difference in managing costs and getting the right medical support. Here’s what to check before choosing a plan:
Coverage for IVF and Other Fertility Treatments
Coverage for Tests, Consultations, and Medications
Coverage for Multiple IVF Cycles
Minimal or No Waiting Period
Reasonable Premiums Without Compromising Coverage
Support for Pre-Existing Conditions
Cashless Treatment at Network Hospitals
Which Infertility Treatments are Covered by Health Insurance?
If you're exploring infertility treatments, you might be wondering which options your health insurance covers. While coverage varies across different policies, many plans include treatments that can help with conception. Let's take a look at what is typically covered:
Ovulation Medicines
If irregular ovulation is making it difficult to conceive, doctors often prescribe medicines to help regulate your cycle. With regular ovulation, your chances of pregnancy increase, making this one of the first steps in fertility treatment.
Surgical Procedures
Sometimes, medical conditions like PCOS, fibroids, or blocked fallopian tubes can make conception challenging. When medications don’t work, surgical procedures like laparoscopy or fallopian tube surgery can help. Many insurance plans cover these treatments when they are medically necessary.
In Vitro Fertilisation (IVF)
If natural conception isn’t working, IVF can be an option. This process involves collecting eggs from your ovaries and fertilizing them with sperm in a lab to create an embryo. Once the embryo develops, it is placed in your uterus, increasing the chances of pregnancy. Some insurance plans cover IVF, but the extent of coverage depends on the policy.
Intrauterine Insemination (IUI)
IUI is a simpler procedure where sperm is directly placed into your uterus during ovulation. This increases the chances of fertilization, especially if sperm motility is an issue. Since it's a less invasive treatment, some insurance plans may cover it.
Gamete Intrafallopian Transfer (GIFT)
With GIFT, your eggs are mixed with sperm in a lab and then placed into your fallopian tubes instead of the uterus. This allows fertilization to happen naturally inside your body. Some insurance policies include this procedure under assisted reproductive treatments.
Intracytoplasmic Sperm Injection (ICSI)
If sperm quality is a concern, ICSI might be recommended. This procedure involves injecting a single sperm directly into an egg to create an embryo, which is then implanted into the uterus. Since it's an advanced form of IVF, insurance coverage depends on the policy.
Before starting any treatment, it's a good idea to check with your insurance provider to understand exactly what’s covered and whether there are any conditions or limits on coverage.
What is Not Covered Under IVF Health Insurance Plans in India?
When looking into IVF health insurance plans in India, it's just as important to know what isn’t covered as it is to understand what is. While some plans offer financial support for fertility treatments, there are several expenses that you may have to pay out of pocket.
How to Choose the Best Plan for Your Needs
If you’re considering health insurance that covers infertility treatment, it’s important to go through the details carefully. These policies come with specific terms, and knowing what’s included (and what’s not) will help you make a better choice. Here’s what to look at before making a decision:
1
Who Can Get the Coverage
Every policy has eligibility criteria. Some may cover only certain age groups or require specific medical conditions to be met. Checking this beforehand will help you know if you qualify.
2
Does It Cover Diagnosis?
Infertility treatment often starts with tests to find out the cause of the problem. Not all insurance plans cover the cost of these tests, so it’s good to check if your policy includes this or if you’ll have to pay separately.
3
Which Treatments Are Included?
Different insurance plans cover different procedures. Some may include only basic treatments like IUI, while others may cover IVF or more advanced options. Make sure to go through the list of treatments covered so there are no surprises later.
4
Limits on Coverage
Most plans will have certain limits on how much they will pay for infertility treatment. Some might cover only a part of the total expenses. Understanding these limits in advance will help you plan your finances better.
5
Waiting Period
Many health insurance policies have a waiting period before you can claim benefits for fertility treatment. This can be anywhere from 2 to 6 years. If you’re planning for treatment soon, this is something you need to consider.
6
Does It Cover Medication?
IVF and other fertility treatments involve expensive medicines and hormone injections. Not all insurance plans cover these costs, so it’s worth checking whether yours does.
7
Extra Coverage Options
Some policies offer add-ons that extend coverage for certain infertility treatments. These might come at an extra cost but could be useful depending on your needs. If your basic plan doesn’t include everything you’re looking for, see if any add-ons can fill the gap.
Disclaimer
