Is IVF Covered In Health Insurance?

Parenthood is one of the most blissful phases of one's  life. The joy that comes with becoming parents is simply unmatchable. However, many people stay aloof from this happiness and face a lot of problems in their journey toward parenthood. In fact, infertility has become one of the most common problems, and it becomes crucial to address this. Thus, many couples now buy health insurance plans to meet the hefty medical expenses when it comes to the treatment of infertility. However, the question is whether IVF is covered under health insurance or not. Read on to learn more.

What is In-Vitro Fertilisation?

In-vitro fertilisation (IVF) is a fertility treatment in which an egg is fertilised by sperm outside the body in a laboratory setting. It is a medical procedure in which a woman's egg is fertilised with sperm in a laboratory dish, and then the fertilised egg is implanted in her uterus. IVF is used to help couples who have difficulty getting pregnant naturally. It can also be used to help couples who have had recurrent pregnancy losses or have certain health conditions that make pregnancy more complicated. The ultimate goal of IVF is to help couples conceive and have a healthy pregnancy and baby.

Is IVF Covered in Health Insurance?

The expenses of IVF treatment are extremely high which makes it important to understand whether the same is covered in a health insurance plan or not. Many health insurance companies now provide coverage for IVF treatment under their base policy or as an add-on. So, while buying a health insurance plan, you must check with your insurer whether IVF is offered or not. However, it is important to understand that the policies that cover IVF have a higher premium as the treatment cost of the same is quite high and the success rate accordingly is very low. 

Some of the plans covering IVF treatment include:

• Digit Health Care Plus Policy
• Nirbhaya by Bharatiya Mahila Bank
• Magma HDI OneHealth Insurance Policy

Things to Check Before Getting IVF Cover in Health Insurance

Listed below are things that you need to check before getting IVF coverage in your health insurance plan:

• You need to check the eligibility criteria and see whether you fit under them or not
• Also, check the different kinds of infertility treatment procedures that are offered
• You must also check the waiting period and plan to buy coverage for IVF as early as you can
• You should also check whether doctor consultations, cost of medicines, and others are covered or not

Why IVF Should be Covered In Health Insurance?

• IVF is a powerful and life-changing procedure for couples who are unable to conceive naturally. However, the associated costs of IVF can be off-putting, and it's often not covered by health insurance. This is why health insurance plans must cover IVF treatments. 
• Having IVF covered by health insurance would ensure that couples have access to affordable and successful fertility treatments. It would also make it possible for people to receive personalised care and treatments, as well as counselling and support services that can be important when facing fertility issues. 
• Coverage of IVF can also help reduce the financial burden of infertility, which can be especially difficult for people who cannot pay for treatments out of pocket. By covering IVF, healthcare plans can ensure that those who need infertility treatments can afford them. 
• In addition to providing access to affordable fertility treatments and reducing the financial burden, having IVF covered by insurance can also make it easier for those with fertility issues to get the care and support they need. Being able to access counselling, education, and other services can make a great difference in the lives of those affected by infertility. 

Insurers are increasingly looking to cover in-vitro fertilisation (IVF) under their health insurance plans. This is due, in part, to the growing demand for IVF services, as well as the high cost of these services. 

Take Away

IVF is not a very common process just yet and is quite expensive. This is what increases the need for a health insurance plan to cover it. However, there are no concrete covers to fully cover the entire procedure yet, which is why it becomes important to browse through several plans to find the one that suits you the best.

FAQs

Q. What is IVF?
A. IVF is a medical procedure where sperm and eggs are combined in a laboratory dish to create embryos that are then placed in a woman's uterus to form a pregnancy.

Q. Who should consider IVF?
A. IVF is a treatment option for couples and individuals who have any difficulty conceiving naturally due to damaged or blocked fallopian tubes, ovulation disorders, male infertility, genetic issues, or other issues.

Q. How successful is IVF?
A. The success rate of IVF is about 40 to 45%, depending on the woman's age and the cause of the infertility. Women under the age of 34 have the highest chances of success with IVF.

Q. Are there any risks associated with IVF?
A. Yes, there are some risks associated with IVF, including ovarian hyperstimulation syndrome, miscarriage, ectopic pregnancy, and multiple births.

Q. What is egg freezing?
A. Egg freezing is a process in which eggs are frozen for future use in IVF treatments. This procedure can provide couples and individuals with more flexibility when it comes to planning for a family.

Q. What side effects are associated with IVF?
A. Common side effects of IVF include headaches, bloating, cramping, and mood swings; however, these effects usually pass quickly and are considered to be generally safe.

Also Read: Health Insurance Plans Offering Free Health Check-Up Benefit

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.