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Does Health Insurance Cover Infertility Treatment?

Published On Oct 22, 2021 11:00 AM By InsuranceDekho

Health insurance policies offer compensation for different types of medical complications and help the policyholders in overcoming the high costs of treatments that affect the quality of hospitalization. With the change in the requirements of the people, the health insurance providers have started to include different types of medical conditions under their plans and it offers the policyholders an extensive coverage. Some of the common types of health insurance plans are critical illness plans, family floater plans, personal accident covers, maternity benefit plans, and much more. The health insurance providers offer maternity benefit plans under which it compensates for the costs like medication, delivery, vaccination, etc. of the policyholder while giving birth to a newborn baby.

Welcoming a newborn in the family is one of the most blissful moments in a person's life but around 10% to 15% of the couples face problems in conceiving a baby. To overcome fertility issues, a lot of people turn towards In-Vitro Fertilization (IVF) procedures. This is one of the few medical procedures that has been developed to help the couples in conceiving a baby and therefore, it costs a lot and can result in the exhaustion of the financial savings of the policyholders. Health insurance providers are working towards including IVF and other infertility treatments into their health insurance plans in the near future.

Does Health Insurance Cover Infertility Treatment?

Does Health Insurance Cover Infertility Treatment?

Not a lot of health insurance providers cover infertility treatments under their health insurance plans for the policyholders. However, there have been reports that the insurers are working towards bringing in the infertility related treatment costs under the health insurance plans. To minimize the risk of frauds, they will include a long waiting period on the plan coverage and will also impose sub-limits and other restrictions. Due to the recent hike in inflation, the basic costs of medical treatments have also increased and therefore, the average cost of an IVF treatment ranges from Rs. 1.25 to 2.5 Lakhs for one cycle. Covers related to infertility treatments will be included under the high sum assured premium health insurance plans and it will compensate for the high costs of IVF treatments required to treat infertility. There are chances of including infertility treatments under the maternity, paediatric, and newborn expenses.

Must Read: Things You Didn’t Know Health Insurance Covers

Coverage of An Infertility Treatment Plan

Infertility diagnoses are generally not covered under the health insurance plans but some health insurers offer coverage for the same. Therefore, if your plan includes financial aid for infertility treatments then you must thoroughly go through their policy terms to understand the coverage of the plan. There is a complex procedure that is involved in the IVF procedures and therefore, the plan can be specific for a certain drug or procedure. You must know about the injectable drugs, ovulation drugs, intrauterine insemination (IUI), etc. that your health insurance provider approves to financially aid you for. When seeking coverage for infertility treatments you must not worry about the cost of treatment but instead be careful about the procedures necessary to treat the infertility and if it is included in your plan.

Things To Consider For An Infertility Treatment Coverage

When seeking coverage for an infertility treatment under your health insurance plan, you must look into the type of drugs that your insurer approves to fund for as some plans might cover for one type of drugs while the other will not. Also, some couples are fortunate to get the results in their first attempt while others might have to try over again, therefore, you must know the number of attempts that are covered under your health insurance plan.


There are several factors that must be considered when seeking a claim for your infertility treatment coverage. Since not all health insurance providers offer claims on infertility treatments, it can be quite difficult for the policyholders to get a suitable plan for themselves and therefore, you must carefully read the fine print of your plan to make sure that it meets your requirements.

Also Read: Does Health Insurance Cover Preventive Health Check-Ups?

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.

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