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in vitro fertilisation (ivf)

Is IVF covered by Insurance?

  • 4.7 (6 Votes)

Due to an increase in the demand of IVF and other fertility treatments, some health insurance policies started to provide coverage for IVF in India. Insurance policies that cover IVF include One Health by Magma HDI Insurance, IVF Suraksha Scheme by Craft Hospital, IVF insurance by Cigna TTK and BMB Nirbhaya Scheme by Bhartiya Mahila Bank.

Sometimes due to various reasons and health complications, it is not always possible for a couple to conceive naturally. Hence, assisted reproductive technology plays a big role in helping such couples in realizing their dream of parenthood. Various fertility treatments such as IVF, IUI, Surrogacy, TESA, ICSI or IMSI are utilized depending upon the severity of infertility in the couples. IVF (In Vitro Fertilization) or most commonly known as test tube baby is one of the most demanding fertility treatments in today’s time. IVF is a fertility treatment in which eggs are retrieved from the female partner and then fertilized with sperms in the lab. After the successful fertilization, embryos thus formed are implanted into the female’s uterus.

The demand for IVF treatment in India shot up with the commercial use of surrogacy in the year 2002. Being the hot favorite destination of foreign couples for IVF treatment, India got its IVF Insurance not sooner than 2014, a boon for Indian couples who still find fertility treatments out of their budget.

The cost of IVF treatment can vary from Rs. 1.5 lakh to Rs. 2.5 lakh depending upon the clinic and the extent of treatment required. Generally, IVF is not covered under any general health insurance scheme. But still, there are some insurance packages prevailing in India, which provide required financial support for infertility treatments. In this article, you will get to know useful information regarding insurance coverage associated with IVF treatment.

What are the costs of IVF procedure?

IVF procedure costs in India vary with the experience of gynecologists or infertility specialists, location of clinic/hospitals, success rate of IVF treatment, types of fertility services as well as the past patient reviews of the respective clinics/hospitals. Here is a list of the costs of IVF treatments depending on the success rates.

Treatment Name

Success rates

Minimum costs (Rs.)

Maximum costs (Rs.)

IVF treatment




IVF treatment




IVF treatment




If you are looking for the cost of IVF treatment specific to your city, then use Fair Treatment Cost Calculator to help you in estimating the cost of IVF treatment along with any additional treatment cost such as the expenses of donor egg or sperms, Laparoscopy, Hysteroscopy or TESA.

cost of ivf treatment

Is IVF procedure included under the health insurance policies in India?

Health insurance policy is a type of insurance in which the medical expenses of an insured individual are covered under the insurance policy. There are various types of healthcare insurance available in India. Every insurance policy has its own terms and conditions along with its features. Therefore, it is essential for you to check whether your insurance policy covers the expenses of a certain medical problem or not. If it does not, then you may have to pay the entire medical treatment cost out of your pocket.

Fertility treatments like IVF, IUI, IMSI, ICSI and surrogacy require financial assistance due to their high costs. Only selective banks provide insurance benefits for fertility treatments to the couples applying for it.

There are few organizations in India, which provide insurance assistance to the couples who find it difficult to afford IVF treatments. Some of the insurance policies in India which cover IVF and other fertility treatments are mentioned below:

1- Craft Hospital and Research Center’s Fertility Insurance Scheme (IVF Suraksha)

IVF Suraksha Scheme by Craft Hospital and Research Centre promises to provide insurance facilities or money back guarantee to the couples who have successfully enrolled in the membership plan. The IVF Suraksha scheme has a membership plan starting with Rs. 2, 75,000. This amount is utilized for a series of treatments such as

IVF Suraksha Scheme is one of its kind fertility insurance schemes in India started by CRAFT hospital. If the successful conception does not happen then CRAFT hospital refunds the complete membership amount back to the patients i.e. Rs. 2,75,000. Sometimes, couples do not start their treatment because of the fear of treatment failure and also due to higher treatment cost. But with IVF Suraksha Scheme, it is now possible for the couples to continue their fertility treatments without any fear. The couple is provided with multiple treatment options once they buy a membership plan. In fact, money back guarantee does not the risk patients of their hard earned money.

It is important to note that couples opting for this scheme need to pay for the medicines as well as hormonal injections during the treatment period. Thus, you can utilize this IVF insurance and receive the best benefits of fertility treatments at Craft Hospital and Research Centre.

2- One Health by Magma HDI General Insurance Company Limited

Offered by Magma HDI, One Health is an insurance product designed to cover IVF treatment. The coverage is given only up to Rs. 50,000 along with 3 years of waiting time. The company gives you a chance to cancel the policy within the first fifteen days of its purchase if you don’t like the policy. The company also provides you with the full refund in such a case.

Who can avail this Policy?

There is a choice between Individual policy that covers a single person and Family Floater policy, which provides coverage for up to 4 adults and up to 3 children.

health insurance policies

3- Cigna TTK Health Insurance

Cigna TTK is one of the largest health insurance companies in India which provides a great range of insurance policies keeping in mind the needs of the patients who are looking for the insurance policies related to fertility treatments. You can discuss with your concerned gynecologist or infertility specialist about your fertility issues in detail and then accordingly pay the treatment expenses with the Cigna TTK insurance policy.

There are different types of insurance plans, which fall under the health insurance group of Cigna TTK insurance. For details, you can contact the agents of the insurance company and find the best solution for your respective fertility treatment case.

4- BMB Nirbhaya Scheme by Bhartiya Mahila Bank (BMB)

Bhartiya Mahila Bank started the BMB Nirbhaya Scheme for fertility treatments in partnership with New India Assurance in January 2014. This insurance scheme was specially designed for the couples who had plans to have a baby with the help of IVF treatment. This insurance plan focused on the finances required for the successful IVF treatment as well as maternity care during pregnancy.

  • Sum assured: Sum assured is the maximum amount of money, which an insurance company offers to you under the insurance policy. The Bhartiya Mahila Bank provided a sum assured amount ranging from Rs. 1,00,000 to Rs. 5,00,000.
  • Insurance Coverage: This insurance covers the expenses for gynecological checkups, infertility issues, maternity care, crucial problems related to reproductive health as well as hospitalization.

However, if anyone wishes to avail this insurance facility for IVF treatment, then they need to open an account with Bhartiya Mahila Bank (BMB). This scheme ceased to exist after the merger of BMB with SBI in the year 2017.

As, we can see that there are very few options for IVF insurance coverage available in India till date. Hence, Ela has introduced the concept of medical loan to smoothen and fasten the process of instant medical loans.

Ela Medical Loan

An individual needs to submit his personal documents such as PAN card, Adhar card and last 6 months bank statements to know their CIBIL score and eligibility for a loan. If a person qualifies the loan criteria then the loan amount is disbursed in the next 2-3 days. The entire process is paperless and ensures that the couples can start with their treatments soon after the loan approval.

Medical loan

Check Ela Finance to submit your application for Ela medical loan.

If you want to know more about IVF and other related fertility treatments, then explore our blog on fertility treatments. You can also call at +917899912611 to talk to our fertility experts.

Dr. Sunil Eshwar

About The Author

Infertility Specialist, IVF Specialist Dr. Sunil Eshwar

Dr. Sunil Eshwar is an Infertility specialist who is presently specializing in laparoscopic surgery, high-risk pregnancies and infertility treatments such as IVF and IUI. Dr. Sunil Eshwar completed his MBBS from Bangalore Medical College and Research Institute in 2000 and MD from Jawaharlal Institute of Postgraduate Medical Education and Research (JIPMER) in 2004. Later, he completed DNB from National Board of Examination in 2006. Dr. Sunil Eshwar is currently practicing at Apollo Fertility, Brookfield, Bangalore. For more information about Dr. Sunil Eshwar, visit


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Ekta Garg

I had no idea about medical insurances in IVF treatment before but after having a conversation with Ela I am so much relieved about the costs of our IVF treatment.

Sept. 22, 2018, 11:47 a.m. 5.0


Rohan Chopra

My sister was not able to conceive naturally. Her married life was in danger due to this reason. Then finally my wife convinced my sister for IVF. Now she has a child and her husband is also with her. IVF changed her life.

Sept. 11, 2018, 8:52 a.m. 4.5


Ekta Srivastava

IVF was the choice when I was not able to be pregnant naturally. I got treated in Faridabad by Dr. Shubda Chopra. She is really passionate for her work and very caring for her patients.

Aug. 30, 2018, 10:54 p.m. 5.0


Gargi Joshi

All the information in this article is very appropriate and knowledgeable. I have gone through each and every line. Thank you for such details. Many people are unaware of such information.

Aug. 17, 2018, 1:11 p.m. 4.5


Abdul Naaz

Thank you Ela for providing me the medical loan for our IVF treatment. The loan helped a lot during the treatment.

Aug. 16, 2018, 9:28 p.m. 4.5


Shattesh Jai

Aug. 14, 2018, 4:53 p.m. 4.5

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