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With Care Classic, you can experience the joy of parenthood with coverage for assisted reproductive treatment.
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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.
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.
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.
There are numerous causes of infertility. Below are the common causes of infertility that have been observed-
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 under Care Classic– Health Insurance for IVF treatment are-
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-
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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:
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-
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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*
CASHLESS HEALTHCARE PROVIDERS^^
^India Insurance Summit & Awards 2023
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.
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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