Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Looking for health insurance that covers IVF? You should consider a specialised health insurance plan which offers Assisted Reproductive Treatment (ART) coverage to help reduce IVF treatment costs and ease the emotional and financial stress of your parenthood journey.
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In Vitro Fertilisation (IVF) is a trusted medical procedure where the egg and sperm are fertilised outside the body in a carefully controlled laboratory setting.
If fertilisation is successful, the embryo is transferred to the woman’s uterus to support implantation and pregnancy, helping individuals and couples with infertility. It's a standard assisted reproductive technology (ART) used for various reasons, such as blocked fallopian tubes, male infertility, or unexplained infertility. It involves steps such as ovarian stimulation, egg retrieval, fertilisation, and embryo transfer.
IVF (In Vitro Fertilisation) is often recommended when a couple has been trying to conceive naturally for quite some time without success. While some fertility issues can be addressed with medications or less invasive procedures like IUI (Intrauterine Insemination), IVF tends to be the preferred choice when natural chances are slim or other treatments haven't worked out.
If you’re wondering, "When should I consider IVF?" it really depends on personal factors such as your age, medical history, fertility test results, and how long you’ve been trying to conceive. Remember, every situation is unique, and your healthcare provider is the best person to guide you through this process.
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.
IVF success rates in India generally range from 30-60% per cycle, influenced by factors like age, fertility diagnosis, embryo quality, clinic experience, and overall health. While IVF is a hopeful option for many couples, it’s good to keep in mind that success can differ for each person, and sometimes, several cycles might be needed.
Here's how the IVF success rate varies with age:
IVF success is influenced by several factors beyond age. Here are some key elements that affect the outcome:
Typically, IVF treatment in India costs between Rs 80,000 and Rs 3,50,000 per cycle. Total expenses can increase with additional tests, injections, and advanced procedures. Here is an estimated range of IVF costs throughout India (per cycle):
Note: Estimated costs may vary by centre, tests & medicines.
A standard health insurance policy in India usually does not cover IVF costs, as IVF is considered an elective procedure rather than an essential medical service. However, IVF is a vital yet expensive option for many couples facing infertility. Without proper medical coverage, the costs of IVF can strain savings and affect family plans.
To help couples manage these costs and ease financial worries, Care Health Insurance provides coverage for IVF and other assisted reproductive treatments through the Care Classic plan (zone-based health insurance), depending on the terms and conditions.
With this plan, you can get reimbursement for IVF expenses, allowing you to focus on your journey and your family’s happiness without the added worry of costs. Be sure to check your eligibility and take a moment to explore this IVF treatment health insurance policy today. The sooner you start planning, the sooner you'll be able to enjoy IVF benefits.
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Treatments covered under Care Classic– Health Insurance for IVF treatment are-
Having insurance that covers IVF/ART helps with planning and reduces financial stress. Benefits of insurance with IVF coverage include:
Understanding the terms and conditions of IVF insurance plans helps you avoid confusion when seeking support for your assisted reproductive treatments. Under the Care Classic plan, the company will indemnify the insurance holder only through a reimbursement facility of expenses related to IVF or other assisted reproductive procedures (subject to the terms and conditions). Here are some key conditions you should be aware of before proceeding with IVF treatment:p>
Like most health insurance benefits, IVF coverage also includes certain exclusions you should know in advance. Some of them are:
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-
Choosing the right IVF centre impacts your fertility journey. Success depends on factors such as experienced specialists, advanced labs, transparent planning, and strong support. Here are the top IVF hospitals in 10 major Indian cities.
| States/ UT | Best Fertility Hospital |
|---|---|
| Best IVF Hospitals in Delhi NCR | Apollo Fertility Cloudnine Fertility Hospital Sir Ganga Ram Hospital |
| Best IVF Hospitals in Mumbai | Bloom IVF, Lilavati Hospital Nova IVF Fertility Centre Indira IVF Fertility Centre |
| Best IVF Hospitals in Bengaluru | Radhakrishna Multispeciality Hospital and IVF Centre Indira IVF Fertility Centre Mankind Maternity and Fertility Centre |
| Best IVF Hospitals in Chennai | Maanasa Women and Fertility Clinic Shri Sai Speciality Clinic Promise Fertility Centre, Fertility Unit of Sri Kumaran A Speciality Hospital |
| Best IVF Hospitals in Hyderabad | Dr Padmaja Fertility Centre & Nursing Home Secunderabad Women's Clinic and Infertility Centre Department of ART-Unit of Sundari Maternity and General Hospital |
| Best IVF Hospitals in Kolkata | Abhilasha Fertility & Women's Care Iswarya Health Private Limited Newlife Fertility Centre |
| Best IVF Hospitals in Pune | Femcare Fertility(Dume Healthcare Private Limited) Nova IVF Fertility Hospital Mothercare Hospital, IVF Centre |
| Best IVF Hospitals in Ahmedabad | Kiranben Maternity & Nursing Home Motherhood Womens And Child Care Hospital Pvt. Ltd Sarvamangal Women's Hospital and IVF Clinic |
| Best IVF Hospitals in Jaipur | Indira IVF Fertility Centre Vansh IVF (An Advanced Fertility and Women's Wellness Centre) Neelkanth Fertility & Women Care Hospital Private Limited |
| Best IVF Hospitals in Lucknow | Ganga Laxmi IVF Indira IVF Fertility Centre Birla Fertility & IVF Centre |
Disclaimer: All these hospitals are listed in the National ART & Surrogacy Registry, and you can also find other hospitals according to your state.
Purchasing health insurance for IVF treatment with us is simple. Follow these steps to get our IVF cover health insurance policy online, hassle-free:
Policyholders can conveniently file an IVF treatment claim through reimbursement. Here's a simple guide on how to do it:
Look for hospitals around you
Yes, you can consider the Care Classic plan to cover IVF treatment, which can be a great relief for those considering this important step.
Since IVF benefits involve a waiting period, it's important to plan ahead.
Certain policies require both partners to be insured under the same plan, while others do not. Eligibility is determined by the specific policy terms, conditions, and claim rules.
Under certain plans, it may be considered a pre-existing condition and may be excluded until the waiting period ends. It depends on the terms and conditions.
No. Most standard health insurance plans do not cover IVF. However, Care Classic includes cover for assisted reproductive treatment, subject to conditions.
To access IVF/ART coverage under Care Classic, you need to buy the policy ahead of time and fulfil the 36-month waiting period with uninterrupted coverage.
Maternity cover generally supports pregnancy and delivery costs, not infertility treatment. IVF coverage is usually separate or part of assisted reproduction benefits.
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Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of Dec 2024
^^Number of Cashless Healthcare Providers till Feb 2025
^10% discount is applicable for a 3-year policy.
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