Can You Get Insurance Cover For IVF Treatment In India?

A child in the family brings incredible joy and happiness. In today’s world of advanced medical procedures, infertility is no longer a hurdle in the way of achieving your dream family. IVF or In Vitro Fertilization is one such procedure that helps couples achieve their dream of having a little one in their family. However, the process is not a cheap one. It includes various components and might even have to be taken multiple times, racking up the bills. This is where a health insurance policy that covers IVF can help by providing compensation for the expenses that are incurred during the treatment.

Health Insurance Covers for IVF Treatment in India

Most general health insurance covers like newborn cover, ambulance cover, emergency cover, maternity cover and more are useful in the case of IVF treatment as well. An IVF treatment is typically quite expensive which is why availing the benefits of a health insurance policy might be better. However, there is typically no life risk involved in the procedure as thorough tests are conducted before the patient is subjected to the treatment. The following are some health insurance covers that are specifically designed in order to provide for insurance during an IVF treatment.

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1. Infertility Diagnoses Cover

It is important to get an actual diagnosis done to discern whether you are infertile or not. If your health insurance policy has this kind of cover, it will cover the costs for the infertility diagnoses. Depending on the scope by the insurance provider, it may cover multiple tests and procedures as instructed by the doctor. Nevertheless, treatment or procedures beyond the diagnoses is not provided for in this type of cover.

2. Infertility Diagnoses Cover with Limited Fertility Treatment 

In some health insurance policies, there is a limited fertility treatment cover along with the infertility diagnoses cover. Therefore, not only does it cover the costs of your diagnoses, but also provides for a limited amount of treatment. However, the exact scope of that cost might just differ from one insurance provider to another, and it is better to clarify from them.

3. Medication Coverage

IVF procedures also comprise different medication from simple pills to injectables to ovulation drugs and more. Under this cover, the expenses for medications involved in the IVF treatment are paid for. Nevertheless, it is important to go through the policy documents or discuss with your insurance provider to see exactly which of your medications might be covered as a result of the benefits from this cover. 

4. Full Infertility Insurance Cover

The entire costs of any procedures, like IVF, are covered under this type. Since the procedure itself is quite expensive and uncommon, not many health insurance companies provide this cover where all costs are provided for. However, some might, which is why it is always better to look thoroughly. Since this is an infertility insurance cover, other procedures or treatments undertaken as a result of infertility might also be covered. 

Take Away

Not only is an IVF process expensive, but it might also require to be taken multiple times, in case it fails. This is why having a health insurance cover is required, to adequately provide financial support. Since it is not a commonly undertaken treatment, it is important to look through multiple insurance plans to find one that adequately pays for what you require. 

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 Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.