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Best Health Insurance that Covers IVF

Best Health Insurance that Covers IVF

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.

IVF treatment is highly concentrated in metro cities like Delhi, Mumbai, and Bangalore, with 50% of all IVF cycles happening in these regions.

IVF treatment is highly concentrated in metro cities like Delhi, Mumbai, and Bangalore, with 50% of all IVF cycles happening in these regions.

IVF treatment is highly concentrated in metro cities like Delhi, Mumbai, and Bangalore, with 50% of all IVF cycles happening in these regions.

The success rates for IVF vary, with women under 35 having the highest chances of success, up to 55.6%, while women over 40 face significantly lower success rates.

The success rates for IVF vary, with women under 35 having the highest chances of success, up to 55.6%, while women over 40 face significantly lower success rates.

The success rates for IVF vary, with women under 35 having the highest chances of success, up to 55.6%, while women over 40 face significantly lower success rates.

IVF treatment costs typically range from ₹1,00,000 to ₹1,50,000, depending on the location and specific patient needs.

IVF treatment costs typically range from ₹1,00,000 to ₹1,50,000, depending on the location and specific patient needs.

IVF treatment costs typically range from ₹1,00,000 to ₹1,50,000, depending on the location and specific patient needs.

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 7 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

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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.

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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.

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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.

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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:

Smoking

Smoking

Smoking

Obesity

Obesity

Obesity

Stress

Stress

Stress

Irregular sleep patterns

Irregular sleep patterns

Irregular sleep patterns

Diabetes

Diabetes

Diabetes

Infections

Infections

Infections

Reproductive conditions in males or females

Reproductive conditions in males or females

Reproductive conditions in males or females

Advanced age of women

Advanced age of women

Advanced age of women

Excessive alcohol consumption

Excessive alcohol consumption

Excessive alcohol consumption

Sedentary lifestyle

Sedentary lifestyle

Sedentary lifestyle

Surgical abortion

Surgical abortion

Surgical abortion

Genetic or hereditary reasons

Genetic or hereditary reasons

Genetic or hereditary reasons

Frequent use of emergency contraceptive pills

Frequent use of emergency contraceptive pills

Frequent use of emergency contraceptive pills

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:

IVF is Expensive: IVF isn’t a one-time procedure, and the costs add up fast. You’re paying for consultations, fertility tests, hormone medications, lab work, and the procedure itself. And that’s just one cycle—many couples need more than one attempt. Without insurance, the financial burden can be huge. A good health plan helps cover these expenses, making treatment more affordable and giving you one less thing to worry about.

IVF is Expensive: IVF isn’t a one-time procedure, and the costs add up fast. You’re paying for consultations, fertility tests, hormone medications, lab work, and the procedure itself. And that’s just one cycle—many couples need more than one attempt. Without insurance, the financial burden can be huge. A good health plan helps cover these expenses, making treatment more affordable and giving you one less thing to worry about.

IVF is Expensive: IVF isn’t a one-time procedure, and the costs add up fast. You’re paying for consultations, fertility tests, hormone medications, lab work, and the procedure itself. And that’s just one cycle—many couples need more than one attempt. Without insurance, the financial burden can be huge. A good health plan helps cover these expenses, making treatment more affordable and giving you one less thing to worry about.

It’s Not Just About the IVF Procedure: IVF isn’t just about the main procedure. There’s a lot that happens before and after-hormone therapy, ultrasounds, diagnostic tests, and post-treatment care. Without insurance, these extra costs can pile up quickly. Some health plans cover these additional treatments, ensuring you get the complete care you need throughout your fertility journey.

It’s Not Just About the IVF Procedure: IVF isn’t just about the main procedure. There’s a lot that happens before and after-hormone therapy, ultrasounds, diagnostic tests, and post-treatment care. Without insurance, these extra costs can pile up quickly. Some health plans cover these additional treatments, ensuring you get the complete care you need throughout your fertility journey.

It’s Not Just About the IVF Procedure: IVF isn’t just about the main procedure. There’s a lot that happens before and after-hormone therapy, ultrasounds, diagnostic tests, and post-treatment care. Without insurance, these extra costs can pile up quickly. Some health plans cover these additional treatments, ensuring you get the complete care you need throughout your fertility journey.

Infertility is Often Linked to Other Health Issues: If you're dealing with infertility, you might also have other health conditions like PCOS, hormonal imbalances, or even male fertility concerns. Many insurance plans that cover IVF also include treatment for these related conditions. This means you’re not just getting help for IVF, but also for the underlying health issues that could be affecting your chances of conceiving.

Infertility is Often Linked to Other Health Issues: If you're dealing with infertility, you might also have other health conditions like PCOS, hormonal imbalances, or even male fertility concerns. Many insurance plans that cover IVF also include treatment for these related conditions. This means you’re not just getting help for IVF, but also for the underlying health issues that could be affecting your chances of conceiving.

Infertility is Often Linked to Other Health Issues: If you're dealing with infertility, you might also have other health conditions like PCOS, hormonal imbalances, or even male fertility concerns. Many insurance plans that cover IVF also include treatment for these related conditions. This means you’re not just getting help for IVF, but also for the underlying health issues that could be affecting your chances of conceiving.

Protection from Unexpected Costs: Fertility treatments come with a lot of unpredictable expenses. Sometimes, additional procedures or medications are needed, or complications arise that increase the overall cost. Health insurance helps you manage these unexpected expenses, so you're not left handling everything on your own.

Protection from Unexpected Costs: Fertility treatments come with a lot of unpredictable expenses. Sometimes, additional procedures or medications are needed, or complications arise that increase the overall cost. Health insurance helps you manage these unexpected expenses, so you're not left handling everything on your own.

Protection from Unexpected Costs: Fertility treatments come with a lot of unpredictable expenses. Sometimes, additional procedures or medications are needed, or complications arise that increase the overall cost. Health insurance helps you manage these unexpected expenses, so you're not left handling everything on your own.

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:

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Coverage for IVF and Other Fertility Treatments

Not all insurance plans cover infertility treatments, so it’s important to look for one that does. Make sure the policy includes treatments like IVF, ICSI (Intracytoplasmic Sperm Injection), GIFT (Gamete Intrafallopian Transfer), and ZIFT (Zygote Intrafallopian Transfer). The more options covered, the better, as different treatments may be recommended based on individual medical conditions.

Not all insurance plans cover infertility treatments, so it’s important to look for one that does. Make sure the policy includes treatments like IVF, ICSI (Intracytoplasmic Sperm Injection), GIFT (Gamete Intrafallopian Transfer), and ZIFT (Zygote Intrafallopian Transfer). The more options covered, the better, as different treatments may be recommended based on individual medical conditions.

Not all insurance plans cover infertility treatments, so it’s important to look for one that does. Make sure the policy includes treatments like IVF, ICSI (Intracytoplasmic Sperm Injection), GIFT (Gamete Intrafallopian Transfer), and ZIFT (Zygote Intrafallopian Transfer). The more options covered, the better, as different treatments may be recommended based on individual medical conditions.

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Coverage for Tests, Consultations, and Medications

IVF involves more than just the procedure itself. There are consultations, medical tests, fertility medications, and follow-up care that add to the cost. Check if the plan covers these expenses so you’re not paying for them out of pocket. A good policy should include pre- and post-treatment costs to provide complete financial support throughout the process.

IVF involves more than just the procedure itself. There are consultations, medical tests, fertility medications, and follow-up care that add to the cost. Check if the plan covers these expenses so you’re not paying for them out of pocket. A good policy should include pre- and post-treatment costs to provide complete financial support throughout the process.

IVF involves more than just the procedure itself. There are consultations, medical tests, fertility medications, and follow-up care that add to the cost. Check if the plan covers these expenses so you’re not paying for them out of pocket. A good policy should include pre- and post-treatment costs to provide complete financial support throughout the process.

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Coverage for Multiple IVF Cycles

Success with IVF can take more than one attempt, and each cycle comes with additional costs. Some insurance plans only cover a single cycle, while others provide financial support for multiple attempts. Since doctors often recommend more than one cycle for better chances of success, choosing a plan that allows for multiple IVF cycles can be a big advantage.

Success with IVF can take more than one attempt, and each cycle comes with additional costs. Some insurance plans only cover a single cycle, while others provide financial support for multiple attempts. Since doctors often recommend more than one cycle for better chances of success, choosing a plan that allows for multiple IVF cycles can be a big advantage.

Success with IVF can take more than one attempt, and each cycle comes with additional costs. Some insurance plans only cover a single cycle, while others provide financial support for multiple attempts. Since doctors often recommend more than one cycle for better chances of success, choosing a plan that allows for multiple IVF cycles can be a big advantage.

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Minimal or No Waiting Period

Some insurance policies have a waiting period before they cover IVF treatment, which means you may have to wait months or even years before making a claim. If you need treatment soon, look for a plan with little to no waiting period so you can start the process without unnecessary delays.

Some insurance policies have a waiting period before they cover IVF treatment, which means you may have to wait months or even years before making a claim. If you need treatment soon, look for a plan with little to no waiting period so you can start the process without unnecessary delays.

Some insurance policies have a waiting period before they cover IVF treatment, which means you may have to wait months or even years before making a claim. If you need treatment soon, look for a plan with little to no waiting period so you can start the process without unnecessary delays.

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Reasonable Premiums Without Compromising Coverage

IVF treatment is already expensive, so it’s important to find a plan that offers good coverage at an affordable premium. A lower premium might seem attractive, but make sure it doesn’t come at the cost of reduced benefits. Compare different policies to find one that provides the right balance between cost and coverage.

IVF treatment is already expensive, so it’s important to find a plan that offers good coverage at an affordable premium. A lower premium might seem attractive, but make sure it doesn’t come at the cost of reduced benefits. Compare different policies to find one that provides the right balance between cost and coverage.

IVF treatment is already expensive, so it’s important to find a plan that offers good coverage at an affordable premium. A lower premium might seem attractive, but make sure it doesn’t come at the cost of reduced benefits. Compare different policies to find one that provides the right balance between cost and coverage.

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Support for Pre-Existing Conditions

If you have conditions like PCOS, endometriosis, or male infertility issues, check if the policy covers IVF in such cases. Some insurance plans exclude pre-existing conditions, while others provide coverage after a waiting period. Understanding these terms beforehand can help you avoid unexpected expenses.

If you have conditions like PCOS, endometriosis, or male infertility issues, check if the policy covers IVF in such cases. Some insurance plans exclude pre-existing conditions, while others provide coverage after a waiting period. Understanding these terms beforehand can help you avoid unexpected expenses.

If you have conditions like PCOS, endometriosis, or male infertility issues, check if the policy covers IVF in such cases. Some insurance plans exclude pre-existing conditions, while others provide coverage after a waiting period. Understanding these terms beforehand can help you avoid unexpected expenses.

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Cashless Treatment at Network Hospitals

IVF treatment can be stressful, and dealing with medical bills shouldn’t add to that stress. A plan that includes cashless treatment at a wide network of hospitals will save you from making large upfront payments. This means the insurance company settles the bills directly with the hospital, reducing your financial burden.

IVF treatment can be stressful, and dealing with medical bills shouldn’t add to that stress. A plan that includes cashless treatment at a wide network of hospitals will save you from making large upfront payments. This means the insurance company settles the bills directly with the hospital, reducing your financial burden.

IVF treatment can be stressful, and dealing with medical bills shouldn’t add to that stress. A plan that includes cashless treatment at a wide network of hospitals will save you from making large upfront payments. This means the insurance company settles the bills directly with the hospital, reducing your financial burden.

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.

Multiple IVF Cycles – Most insurance plans that cover IVF only pay for a limited number of cycles. If you need multiple attempts beyond what’s included, you’ll likely have to bear the cost yourself.

Multiple IVF Cycles – Most insurance plans that cover IVF only pay for a limited number of cycles. If you need multiple attempts beyond what’s included, you’ll likely have to bear the cost yourself.

Multiple IVF Cycles – Most insurance plans that cover IVF only pay for a limited number of cycles. If you need multiple attempts beyond what’s included, you’ll likely have to bear the cost yourself.

Donor Eggs, Sperm, or Embryos – If you need donor eggs, sperm, or embryos as part of your IVF treatment, many insurance providers don’t cover these costs. This also includes expenses related to embryo freezing and storage.

Donor Eggs, Sperm, or Embryos – If you need donor eggs, sperm, or embryos as part of your IVF treatment, many insurance providers don’t cover these costs. This also includes expenses related to embryo freezing and storage.

Donor Eggs, Sperm, or Embryos – If you need donor eggs, sperm, or embryos as part of your IVF treatment, many insurance providers don’t cover these costs. This also includes expenses related to embryo freezing and storage.

Pre-IVF Tests and Consultations – Before starting IVF, doctors usually recommend several tests to check fertility health. These tests, along with initial consultations, may not be covered by insurance. Some policies may include a few diagnostic procedures, but not all of them.

Pre-IVF Tests and Consultations – Before starting IVF, doctors usually recommend several tests to check fertility health. These tests, along with initial consultations, may not be covered by insurance. Some policies may include a few diagnostic procedures, but not all of them.

Pre-IVF Tests and Consultations – Before starting IVF, doctors usually recommend several tests to check fertility health. These tests, along with initial consultations, may not be covered by insurance. Some policies may include a few diagnostic procedures, but not all of them.

Medications for Fertility Treatment – IVF requires hormone injections and other medications to stimulate egg production. Many insurance plans do not cover these medicines, which can be a significant part of the overall cost.

Medications for Fertility Treatment – IVF requires hormone injections and other medications to stimulate egg production. Many insurance plans do not cover these medicines, which can be a significant part of the overall cost.

Medications for Fertility Treatment – IVF requires hormone injections and other medications to stimulate egg production. Many insurance plans do not cover these medicines, which can be a significant part of the overall cost.

Surrogacy Expenses – If you are considering surrogacy, keep in mind that most health insurance plans in India do not cover the cost. This includes payments to the surrogate, medical expenses, and legal fees.

Surrogacy Expenses – If you are considering surrogacy, keep in mind that most health insurance plans in India do not cover the cost. This includes payments to the surrogate, medical expenses, and legal fees.

Surrogacy Expenses – If you are considering surrogacy, keep in mind that most health insurance plans in India do not cover the cost. This includes payments to the surrogate, medical expenses, and legal fees.

Experimental or Advanced Treatments – Newer fertility treatments like genetic testing of embryos (PGT), assisted hatching, or advanced lab procedures often fall outside the coverage of standard IVF insurance plans. If you opt for these treatments, you may need to pay for them separately.

Experimental or Advanced Treatments – Newer fertility treatments like genetic testing of embryos (PGT), assisted hatching, or advanced lab procedures often fall outside the coverage of standard IVF insurance plans. If you opt for these treatments, you may need to pay for them separately.

Experimental or Advanced Treatments – Newer fertility treatments like genetic testing of embryos (PGT), assisted hatching, or advanced lab procedures often fall outside the coverage of standard IVF insurance plans. If you opt for these treatments, you may need to pay for them separately.

Pregnancy Complications After IVF – Once pregnancy is achieved through IVF, any complications or additional medical care needed during pregnancy may not always be covered under the IVF-specific plan. You may need separate maternity coverage for these expenses.

Pregnancy Complications After IVF – Once pregnancy is achieved through IVF, any complications or additional medical care needed during pregnancy may not always be covered under the IVF-specific plan. You may need separate maternity coverage for these expenses.

Pregnancy Complications After IVF – Once pregnancy is achieved through IVF, any complications or additional medical care needed during pregnancy may not always be covered under the IVF-specific plan. You may need separate maternity coverage for these expenses.

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.

Don't Let Costs Hold You Back

Don't Let Costs Hold You Back

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Check IVF Health Insurance Plans Now!

FAQs

FAQs

Do all health insurance providers offer plans that cover IVF?

Do all health insurance providers offer plans that cover IVF?

Do all health insurance providers offer plans that cover IVF?

Does insurance coverage for IVF apply to both men and women?

Does insurance coverage for IVF apply to both men and women?

Does insurance coverage for IVF apply to both men and women?

How can I get IVF treatment covered by insurance?

How can I get IVF treatment covered by insurance?

How can I get IVF treatment covered by insurance?

Which insurance companies in India cover IVF treatments?

Which insurance companies in India cover IVF treatments?

Which insurance companies in India cover IVF treatments?

Is there medical insurance that includes IVF coverage?

Is there medical insurance that includes IVF coverage?

Is there medical insurance that includes IVF coverage?

Does IVF fall under standard medical insurance policies?

Does IVF fall under standard medical insurance policies?

Does IVF fall under standard medical insurance policies?

What types of insurance cover IVF treatments?

What types of insurance cover IVF treatments?

What types of insurance cover IVF treatments?

Can I claim insurance for infertility treatments?

Can I claim insurance for infertility treatments?

Can I claim insurance for infertility treatments?

Is infertility considered a medical condition by insurers?

Is infertility considered a medical condition by insurers?

Is infertility considered a medical condition by insurers?

Can I purchase insurance specifically for infertility treatments?

Can I purchase insurance specifically for infertility treatments?

Can I purchase insurance specifically for infertility treatments?

Is IVF covered by regular health insurance plans?

Is IVF covered by regular health insurance plans?

Is IVF covered by regular health insurance plans?

What factors should I consider when choosing an IVF insurance plan?

What factors should I consider when choosing an IVF insurance plan?

What factors should I consider when choosing an IVF insurance plan?

Where can I find more information about IVF insurance?

Where can I find more information about IVF insurance?

Where can I find more information about IVF insurance?

What's important to remember when navigating IVF insurance?

What's important to remember when navigating IVF insurance?

What's important to remember when navigating IVF insurance?

Disclaimer

Waiting Periods: Most IVF coverages require 2–3 years of waiting from policy inception; no immediate coverage.

Waiting Periods: Most IVF coverages require 2–3 years of waiting from policy inception; no immediate coverage.

Waiting Periods: Most IVF coverages require 2–3 years of waiting from policy inception; no immediate coverage.

Sub-limits: IVF or ART benefits are typically capped at ₹1–2 lakh (or a percentage of the sum insured), often once in 3 years.

Sub-limits: IVF or ART benefits are typically capped at ₹1–2 lakh (or a percentage of the sum insured), often once in 3 years.

Sub-limits: IVF or ART benefits are typically capped at ₹1–2 lakh (or a percentage of the sum insured), often once in 3 years.

Exclusions: Surrogacy, donor eggs/sperm, cryopreservation, and reversal of sterilization are almost always excluded unless explicitly stated.

Exclusions: Surrogacy, donor eggs/sperm, cryopreservation, and reversal of sterilization are almost always excluded unless explicitly stated.

Exclusions: Surrogacy, donor eggs/sperm, cryopreservation, and reversal of sterilization are almost always excluded unless explicitly stated.

Spouse Coverage: Some plans (Care Classic) require both husband and wife to be insured under the same policy for ART benefits.

Spouse Coverage: Some plans (Care Classic) require both husband and wife to be insured under the same policy for ART benefits.

Spouse Coverage: Some plans (Care Classic) require both husband and wife to be insured under the same policy for ART benefits.

Always refer to the official policy wordings and confirm details (sub-limits, waiting periods, premium differences) with a licensed advisor before finalizing an IVF-focused health insurance plan.

Always refer to the official policy wordings and confirm details (sub-limits, waiting periods, premium differences) with a licensed advisor before finalizing an IVF-focused health insurance plan.

Always refer to the official policy wordings and confirm details (sub-limits, waiting periods, premium differences) with a licensed advisor before finalizing an IVF-focused health insurance plan.

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CIN: U72200KA2015PTC083534
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Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.

Make the Move

What are you waiting for?

MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.