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Ivf Coverage Insurance

Does your Health Insurance Cover IVF?

With Care Classic, you can experience the joy of parenthood with coverage for assisted reproductive treatment.

  • Pan India Coverage at an affordable premium
  • Coverage for assisted reproductive treatment
  • Add-on benefits of OPD-cover, Diagnosis, and Consultations
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In today’s era, medical advancement has made the impossible possible, and that’s how IVF became one of the most significant achievements of medical science. This procedure has turned out to be a boon for couples facing difficulties in conceiving naturally. As per the reports, the fertility outlook in 2023 doesn't look that great, as the fertility rate has only declined. India's Total Fertility Rate (TFR) is now at the population replacement rate stage and has been dropping steadily. The fertility rate dropped dramatically to 0.92% in 2022. However, recent data from the Sample Registration Survey (SRS) indicates that the general fertility rate decreased by 28.5% in the capital city with working-eligible couples.


Medical science has introduced the IVF procedure to cater to such couples who wish to experience the joy of parenthood. The process involves close monitoring and stimulating a patient's ovulatory process. To discover how you can be covered under health insurance for IVF, read on to decipher the coverage options offered by Care Health Insurance’s Care Classic plan.

What is In Vitro Fertilisation (IVF)?

 In Vitro Fertilisation(IVF) is a medically tested procedure where a sperm and an egg are combined outside the body in a laboratory. If the sperm and the egg fertilise successfully, the resulting embryo is transferred to the woman’s uterus to achieve a successful pregnancy.

Is In Vitro Fertilization Covered by Insurance?

Health insurance is one of the most prudent investments and needs of the hour due to the skyrocketing hospitalisation and treatment costs. Just like any other treatment these days, IVF treatment expenses could also end up burning a hole in your pocket if you do not have a financial back in place. To help you combat medical inflation and get treatment without any financial restrictions, Care Health Insurance offers coverage for IVF treatment under Care Classic. Care Classic is an Insurance that covers IVF-related expenses and helps you experience the joy of parenthood.

What are the Major Causes of Infertility?

There are numerous causes of infertility. Below are the common causes of infertility that have been observed-

  • Smoking
  • Diabetes
  • Obesity
  • Frequent and excessive alcohol consumption
  • Unhealthy and sedentary lifestyle
  • Stress
  • Reproductive conditions of male or female
  • Infections
  • Irregular sleep patterns
  • Advance age of women
  • Surgical abortion
  • Genetic or hereditary reasons
  • Excessive use of emergency contraceptive pills

The causes mentioned above of infertility could encourage you to undergo assisted reproductive treatment, and knowing that an insurance plan covers IVF will keep you at peace.

Treatments Covered Assisted Reproductive Health Insurance

Treatments covered under Care Classic– Health Insurance for IVF treatment are-

  • In Vitro Fertilisation (IVF)- The procedure involves collecting eggs from the woman’s ovaries and merging them with the man’s sperm in an expert-supervised laboratory to make an embryo. Then, the embryo is transplanted into the woman’s uterus. If you have health insurance for In Vitro Fertilization, you will be saved from shelling out your savings all at once.
  • Gamete Intrafallopian Transfer (GIFT)- This is a three-step procedure that involves the removal of eggs, combining them with the sperms in a laboratory dish, and immediately placing them in the fallopian tubes. Women are also given follicle-stimulating drugs to increase their chances of producing multiple eggs.
  • Intracytoplasmic Sperm Injection (ICSI)- This procedure is a specialised kind of assisted reproductive treatment that is used for male infertility issues. In this procedure, a single sperm is injected directly into a mature egg for fertilisation.
  • Zygote Intrafallopian Transfer (ZIFT)- This procedure is similar to IVF and embryo transfer. The only difference is that the fertilised embryo is transplanted into the fallopian tube instead of the uterus. This process is called tubal embryo transfer, as the fertilised egg is directly transferred into the tubes.

How Much Does IVF Treatment Cost in India?

A handful of centres offering IVF treatments have packages that do not include genetic testing, monitoring or any other additional services required during the treatment. However, the cost of IVF treatment may range from ₹ 1,00,000 to ₹1,50,000.

Below is the list of metro cities with the estimated cost of IVF treatment-

  • Delhi- 1,00,000-1,45,000
  • Gurgaon- 1,00,000-1,45,000
  • Mumbai- 1,00,000-1,50,000
  • Pune- 1,00,000-1,50,000
  • Bangalore- 1,00,000-1,45,000
  • Chennai- 1,00,000-1,45,000
  • Hyderabad- 1,00,000-1,50,000
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Care Classic- Terms and Conditions for IVF Treatment

Being aware of the terms and conditions under IVF insurance plans ensures  you are not misguided when you need assistance for your assisted reproductive treatment. Under the Care Classic plan, the company will indemnify the insurance holder only through a reimbursement facility for the expenses incurred towards IVF or other assisted reproductive treatments. Below are a few conditions you must not ignore if you wish to undergo IVF treatment:

  • A waiting period of 36 months from the date of the first inception of this policy with the Company for the insured person.
  • This benefit is payable only once at every block of 3 years, subject to policy renewal.
  • To be eligible for this benefit, the couples should continuously be covered under this Policy at every block.

Factors to Consider While Buying Health Insurance for Infertility Treatment

You should always check your policy’s terms and conditions before you buy any plan. Not all plans cover the cost of assisted reproductive treatment; consider a plan that can help you in need. Here are some factors you must not ignore before buying health insurance that covers IVF-

  • Do not miss out on checking the eligibility criteria to get IVF health insurance coverage.
  • Check the procedures offered under the plan.
  • Check the sub-limits and other limitations under IVF insurance plans.
  • Do not ignore the waiting period for infertility treatment, as it differs from insurer to insurer.
  • Check if other types of assisted infertility treatments are covered by medical insurance that covers IVF.

Voice Of Customer

Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

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Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

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Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

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Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


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Health Insurance Company of the year^


38 Lakh+ Claims Settled*



^India Insurance Summit & Awards 2023


Q. Do all the health insurance providers have IVF insurance plans?

Although all the health insurance plans don’t offer coverage for IVF treatment, our zone-based Care Classic Plan offers assured coverage for IVF treatment.

Q. Does insurance cover In Vitro Fertilisation offers coverage for both men and women?

Yes, it is for both men and women, subject to terms and conditions.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

**Number of Claims Settled as of 31st May 2023

^^Number of Cashless Healthcare Providers till 31st Dec 2022

^10% discount is applicable for a 3-year policy.

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