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Is IVF Covered by Insurance

Is IVF Covered by Insurance? A Comprehensive Guide

| 06 Oct 2023 | 22869 Views |


For many hopeful parents in India, the path to parenthood often leads through the doors of an IVF clinic. Among the myriad questions these parents-to-be have, one of the most pressing is, “Is IVF covered by insurance?” Today, we’ll unravel this complex issue and delve into the ins and outs of IVF insurance at clinics like India IVF Fertility, a leading fertility clinic with branches in Delhi, Noida, and Gurgaon.

Why Is IVF Not Covered Under Insurance?

IVF treatments, despite their increasing popularity and success rates, remain a grey area in many insurance policies. Some reasons for this include:

  • Perception of IVF: Historically, IVF has been perceived as a ‘luxury’ or ‘optional’ treatment rather than a necessary medical intervention.
  • High Costs: The procedure can be expensive, and covering it could mean a significant outlay for insurance companies.
  • Varied Success Rates: IVF doesn’t guarantee a pregnancy, making it a riskier proposition for insurers.

Types of Insurance Coverage For IVF

While not all insurance policies cover IVF, there are some that do. Here’s a snapshot:

  • Full Coverage: Covers all aspects of the treatment from consultations to the procedure itself.
  • Partial Coverage: Might cover consultations and some parts of the treatment, but not the actual IVF procedure.
  • Medication Coverage: Only the medications involved in the treatment are covered.

Factors To Consider While Choosing Insurance Policies For Infertility

Choosing an insurance policy that caters to infertility treatments requires a bit of homework. Here are some factors to bear in mind:

  • Extent of Coverage: As mentioned above, does it offer full, partial, or just medication coverage?
  • Caps and Limits: Some policies might have a monetary cap or limit the number of IVF cycles.
  • Clinic Ties: Some insurers have tie-ups with specific clinics, like the renowned India IVF Fertility.
  • Waiting Period: Some policies might have a waiting period before the coverage kicks in.

List of IVF Treatment Procedures Covered Under Health Insurance

Not all procedures related to IVF might be covered by insurance. However, here’s a typical list of what might be:

  • Ovulation monitoring
  • Egg retrieval
  • Insemination and fertilization
  • Embryo transfer


Navigating the world of IVF insurance in India can seem like walking a tightrope. But with the right information, hopeful parents can make informed decisions. Always remember to thoroughly research and consult with both insurance providers and trusted IVF clinics like India IVF Fertility.


Typically, Indian insurance policies are geared towards treatments within the country. However, some premium policies might offer international coverage. Always check with your provider.

This largely depends on the policy terms. Some might offer coverage only for the first child, while others could extend it.

Aarogya Sanjeevani offers a standard policy across insurers but doesn't cover infertility treatments. Always check for the latest policy inclusions.

The "best" insurance varies based on individual needs, coverage extent, and budget. Consulting with an insurance advisor and IVF clinics like India IVF Fertility can provide clarity.

About The Author
Dr. Richika Sahay

MBBS (Gold Medalist), DNB (Obst & Gyne), MNAMS, MRCOG (London-UK), Fellow IVF, Fellow MAS, Infertility (IVF) Specialist & Gynae Laparoscopic surgeon,[Ex AIIMS & Sir Gangaram Hospital, New Delhi]. Read more

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