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Is IVF therapy covered by insurance in India?

Published On Apr 04, 2022

The love and happiness that a kid offers to a family are immeasurable. In today's age of modern medical technologies, infertility is no longer an impediment to starting a family. In Vitro Fertilization, or IVF, is one such process that assists couples in realizing their ambition of starting a baby. However, the procedure is not inexpensive. It has a variety of components and may need to be taken many times, adding up the costs. This is where having health insurance coverage that includes IVF might come in handy since it will cover the costs of the process.

Health Insurance Covers for IVF Treatment in India

Most general health insurance policies, such as infant coverage, ambulance coverage, emergency coverage, maternity coverage, and others, are also beneficial during IVF therapy. Because IVF treatment is usually fairly costly, it may be preferable to use the advantages of health insurance coverage. However, because rigorous examinations are performed before the patient is subjected to the treatment, there is usually a little risk to the patient's life. The following are some health insurance policies that are expressly designed to cover IVF treatment costs.

  • Coverage of Infertility Diagnoses

It's critical to acquire a proper diagnosis to determine if you're infertile or not. If your health insurance policy has this coverage, the expenses of infertility diagnosis will be covered. Depending on the insurance provider's scope, it may cover a variety of tests and procedures as directed by the doctor. However, this sort of insurance does not cover therapy or operations that are not related to the diagnosis.

  • Limited Fertility Treatment Covers Infertility Diagnoses

In certain health insurance policies, along with the infertility diagnostic coverage, there is restricted fertility treatment coverage. As a result, it not only covers the price of your diagnosis but also a restricted quantity of therapy. However, the specific extent of that fee may vary from one insurance company to the next, so it's best to check with them.

  • Coverage for Medication

Different medications are used in IVF operations, ranging from basic tablets to injectables to ovulation meds and more. The costs of drugs used in IVF therapy are covered under this policy. However, it is critical to read the policy documentation or speak with your insurance provider to see which of your drugs may be covered as a consequence of the coverage's advantages.

  • Complete Infertility Coverage

This kind covers the whole cost of any operation, such as IVF. Due to the procedure's high cost and rarity, few health insurance companies offer comprehensive coverage that covers all expenditures. Some may, though, which is why it is always a good idea to search about properly. Because this is an infertility insurance policy, additional operations or treatments needed as a result of infertility may be covered as well.

Take Away

An IVF procedure is not only costly, but it may also need to be repeated if the first attempt fails. This is why, to give enough financial assistance, it is necessary to have health insurance coverage. Because this isn't a typical procedure, it's crucial to shop around for several insurance plans to locate one that covers all you need. The need for infertility treatment coverage under health insurance has grown as the number of persons affected by infertility has increased. Because infertility treatment is covered by a variety of health insurance policies in India, it's important to compare health insurance plans to pick the best one for your needs.

Do read - Understanding The Star Health And Allied Insurance Claim Process


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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