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Infertility, the inability to conceive children, can be a challenging ordeal for couples. It may stem from various factors, making diagnosis complex. Despite the emotional and physical strain, numerous treatment avenues exist. These range from medication and surgical interventions to advanced techniques like Assisted Reproductive Technology (ART), notably In Vitro Fertilisation (IVF), offering hope for conception.

What are the Causes of infertility?

Infertility issues can arise from various factors affecting both men and women. Modern medicine has identified several common reasons behind infertility, including:

  • Ovulation Disorders: Conditions like polycystic ovary syndrome (PCOS) and thyroid disorders can disrupt ovulation.

  • Fallopian Tube Damage or Blockage: Pelvic inflammatory disease, endometriosis, or pelvic surgery can lead to fallopian tube issues.

  • Immunological Problems: Some individuals develop antibodies that attack sperm or eggs, hindering conception.

  • Age: Fertility declines with age, increasing the risk of infertility and miscarriages.

  • Lifestyle Factors: Factors like smoking, alcohol consumption, drug use, and extreme stress can impact fertility.

  • Environmental Factors: Exposure to certain chemicals or toxins can harm the reproductive system.

  • Genetic Factors: Genetic conditions like Turner syndrome can affect ovarian development in females.


It's important to note that infertility can be a complex issue. A diagnosis may require multiple tests, and treatments may involve a combination of different methods.

Is IVF Covered Under Health Insurance?

In vitro fertilization (IVF) is a widely used assisted reproductive technology (ART) to aid couples facing infertility. Despite its effectiveness, IVF can pose a significant financial burden.


In India and globally, IVF treatments can cost anywhere from ₹1,00,000 to ₹4,00,000 per cycle, without assured success. While most health insurance plans traditionally don't cover infertility treatments, there's a growing trend towards inclusion.


Recently, some insurers have started offering infertility treatment coverage either as a standard feature or an add-on. Having IVF coverage in your health insurance can alleviate the financial strain associated with such treatments.


However, it's essential to carefully examine the coverage provided by different IVF insurance policies. Coverage levels, waiting periods, sub-limits, and caps can vary significantly among plans.

What are the Types of IVF Coverages?

While assessing health insurance plans, it's important to understand the various options available for covering infertility treatments, particularly IVF, namely:

  • Insurance for Infertility Diagnosis Only: These policies focus solely on covering diagnostic procedures to identify infertility issues. They encompass tests and evaluations needed to determine the underlying causes of infertility but do not extend coverage to IVF treatments. However, they may include surgical procedures necessary for diagnosis.

  • Insurance for Infertility Diagnosis and Limited Fertility Treatment: This category expands coverage to include not only diagnostic procedures but also limited fertility treatments beyond basic diagnostics. These treatments may include oral medications or injections to stimulate ovulation or enhance fertility. However, like the previous category, IVF treatments are typically excluded from coverage.
  • Medication Coverage (With a Possible Inclusion for Fertility Drug Prescriptions): These plans primarily focus on covering prescribed medications, which may include fertility drugs aimed at addressing infertility issues. While they may provide assistance with the cost of medications essential for fertility treatment, IVF procedures remain outside the scope of coverage.

  • Full Infertility Insurance Coverage: The most comprehensive option, these policies offer complete coverage for infertility treatments, encompassing IVF procedures and associated expenses. While these plans provide the most extensive coverage, it's essential to scrutinize the policy details for any limitations or restrictions, such as caps on the number of IVF cycles covered or the maximum number of children eligible for coverage.

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Points to Consider While Buying Health Insurance for Infertility Treatment

Before finalizing your choice of health insurance that covers IVF and infertility treatments, it's essential to thoroughly evaluate your options. Here are some crucial factors to consider:

  • Eligibility Criteria: Review the insurer's set criteria to ensure you meet the requirements for infertility treatment or IVF coverage.

  • Covered Procedures: Understand which specific infertility treatment procedures are included in the policy. Some policies may only cover diagnosis, while others extend coverage to oral medications or limited fertility treatments.

  • Claim Limits: Determine the maximum number of claims allowed under your policy for IVF or infertility treatment cycles. Knowing this limit can help manage expectations regarding coverage.

  • Waiting Period: Be aware of any waiting period before infertility treatment and IVF coverage begins. Waiting periods vary among insurers, so clarify this detail before purchasing a policy.

  • Medication Coverage: Inquire whether the policy covers the cost of medications used for infertility treatment. Understanding medication coverage can help estimate overall treatment expenses.

  • Scope of Coverage: Review the policy to understand the scope of inclusions and limitations for different infertility procedures. Pay attention to sub-limits and exclusions to ensure adequate coverage.

  • Diagnostic Coverage: Verify if the cost of diagnosing infertility is covered by the IVF insurance policy. Diagnostic coverage is essential for identifying underlying fertility issues.

  • Add-On Riders: Explore any add-on riders available with the IVF health insurance plan. These riders may offer additional coverage for infertility treatment expenses beyond the base policy.


Investing in an IVF insurance plan can offer significant financial relief, considering the substantial costs associated with fertility treatments. While not all insurers offer coverage for these expenses, conducting thorough research and selecting a suitable plan is essential. By choosing wisely, you can safeguard your financial well-being while pursuing your dream of starting or expanding your family.

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Does infertility affect men and women equally?

Yes, infertility affects men and women equally. Studies show that approximately 35% of infertility cases are due to male factors, while another 35% are due to female factors. Therefore, IVF insurance can be beneficial for couples experiencing infertility regardless of gender.

Can I avail IVF coverage insurance outside India?

Typically, IVF insurance plans in India do not cover infertility treatments outside the country. It's essential to review the terms and conditions of your specific IVF health insurance policy to determine coverage.

Is infertility treatment covered for the 2nd child in health insurance?

Coverage for infertility treatment for subsequent children varies among IVF insurance policies. Some plans may cover treatment for the first child only, while others may extend coverage for multiple children. It's crucial to carefully read the policy details to understand the coverage scope.

Does the Aarogya Sanjeevani Policy cover IVF treatments?

No, the Aarogya Sanjeevani Policy does not include coverage for IVF treatments. Maternity expenses and infertility-related costs are explicitly excluded from the policy's coverage.

Which is the best insurance policy for IVF treatment?

The best IVF insurance policy depends on individual requirements and budget constraints. It's advisable to compare different plans, review their terms and premiums, and select the one that offers the most suitable coverage and benefits.

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