India
    India
  • Delhi
  • Kolkata
  • Mumbai
  • Bangalore
  • Hyderabad
  • Pune
  • Lucknow
  • Ahmedabad
  • Chennai
  • Patna
  • Jaipur
  • Indore
  • Gurgaon
  • Surat
  • Nagpur
  • Bhopal
  • Varanasi
  • Kanpur
  • Noida
  • Ranchi
  • Ludhiana
  • Amritsar
  • Udaipur
  • Agra
  • Chandigarh
  • Srinagar
  • Allahabad
  • Vadodara
  • Bhubaneswar
  • Ghaziabad
  • Rajkot
  • Faridabad
  • Guwahati
    Global
  • Abu Dhabi
  • Bangkok
  • Cebu City
  • Chiang Mai
  • Chittagong
  • Colombo
  • Depok
  • Dhaka
  • Doha
  • Dubai
  • Ipoh
  • Jakarta
  • Johor Bahr
  • Kathmand
  • Khon Kaen
  • Kiev
  • Klang
  • Kota Damansara
  • Kuala Lumpur
  • Makati
  • Malacca
  • Manila
  • Minsk
  • Nairobi
  • Odessa
  • Padang
  • Penang
  • Phnom Penh
  • Phuket
  • Quezon City
  • Selangor
  • Singapore
  • Tbilisi
    pink loader
    in vitro fertilisation (ivf)

    Know about In Vitro Fertilization Cost, Insurance Policies and Medical Loan

    • 98721 views
    • 4.7   (6 Votes)
    Medically Reviewed by Dr. Deepika Tiwari - MBBS on 22 Dec 2018 - Written by Dr. Sunil Eshwar - MBBS - Grammatically Approved by Dr. Kavita Jaggi Agrawal - MBBS

    IVF procedures demand is at a rise. Insurance companies are coming up with In Vitro Fertilization insurance coverage for helping couples pay IVF Cost. The insurance policies that cover IVF include One Health, Craft Hospital's IVF Suraksha Scheme, BMB Nirbhaya Scheme by Bhartiya Mahila Bank.

    Let’s Discuss in More Detail About IVF Insurance Options:-

    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 the 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

    Fair

    1,06,100

    1,42,300

    IVF treatment

    Good

    1,39,700

    2,01,800

    IVF treatment

    High

    1,99,300

    2,35,500

    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 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 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 a 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

    Written by

    Infertility Specialist, IVF Specialist
    Bangalore

    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 elawoman.com

    SOURCES AND REFERENCES:

    • Treating male infertility with tesa - procedure, causes, advantages, disadvantages  TESA, Elawoman - 2017
    • Anatomy of uterus, functions and uterine conditions in women and pregnancy  uterus, Elawoman - 2017
    • Best gynecologists in india - gynecologist consultation cost, services  gynecologists, Elawoman - 2017
    • Top 9 ivf success factors that impact occurrence of pregnancy  success rate of IVF treatment, Elawoman - 2018
    • Ivf success rates with donor eggs - egg donation role in infertility treatments  donor egg, Elawoman - 2018

    6 Comments

    user_img

    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

    user_img

    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

    user_img

    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

    user_img

    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

    user_img

    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

    user_img

    Shattesh Jai

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

    View all comments

    Leave a Comment

    Rating

    Disclaimer

    The information displayed on this webpage covers general information on several medical conditions, fertility treatments, IVF ICSI, surrogacy procedure, home remedies, and their respective treatments. The exclusive purpose of the displayed information is for the sake of general understanding and it has been collected from open sources which heavily rely on research and laboratory tests. However, the information shared here should not be considered as a medical advice or an alternative to consultation with a registered medical practitioner or licensed healthcare professional.

    It is not advised to self-diagnose or treat any medical condition or disease following the information given in this article. We insist you to consult a registered practitioner and never try to replace their advice or discontinue treatment in between by relying solely on the information obtained. External links to different websites as well as videos given on the website serve the purpose of sharing knowledge only. Ela being an Independent Medical Information platform is neither responsible nor guarantees the authenticity, reliability, and accuracy of these videos and websites in any way. We do not intend the information displayed here to be used for a medical emergency, if you seek medical attention for yourself (or any other person with whom you want to share the information with), we advise you to directly get in touch with the hospital or the doctor.

    More From Author

    Fertility Basics
    Fertility infertility - Signs, Causes, Natural remedies of Fertility Disorders

    Fertility infertility - Signs, Causes, Natural remedies of Fertility Disorders

    posted on 14 Aug 2018 4.7/ 5

    Female infertility is on the rise in the recent times. Some of the female infertility causes include blocked or damaged fallopian tubes, ovulation disorders, pelvic ad...

    Read More

    Fertility Basics
    Infertility profiling medical tests - Check for causes of infertility

    Infertility profiling medical tests - Check for causes of infertility

    posted on 14 Aug 2018 4.7/ 5

    Infertility profiling medical tests include ESR blood test, Thyroid Function Test, AMH test, Complete Blood Count Test, Prolactin, and LH test. Infertility profiling ...

    Read More

    Fertility Basics
    How is female fertility affected with environmental and occupational factors

    How is female fertility affected with environmental and occupational factors

    posted on 14 Aug 2018 4.7/ 5

    Female fertility is affected with occupational and environmental factors. This includes Lead, Ethylene Oxide, Dibromochloropropane, and Chemotherapy side effects. Medi...

    Read More

    Related Article view all

    In Vitro Fertilisation (IVF)
    In Vitro Fertilization (IVF) - Process, Requirement, Success Rate, Risks and Cost

    In IVF treatment an egg is combined with sperm outside the body. It is suggested in cases of blocked tube/s, endometriosis and unexplained infertility. IVF risks include multifetal gestations and birth defects. The success rate of IVF is 1.5 in 5 and the average cost ranges from Rs. 2 to 5 lacs.

    Read More

    In Vitro Fertilisation (IVF)
    IUI procedure vs IVF : Choosing the best infertility treatment for positive pregnancy

    IVF and IUI procedures are the top infertility treatments for infertile couples. IUI treatment is used in case of male infertility, unexplained fertility, and usage of donor sperms. IVF procedure is chosen when both the partners have infertility problems, presence of blocked fallopian tubes, and endometriosis.

    Read More

    In Vitro Fertilisation (IVF)
    How to treat infertility after tubectomy operation - Tubal Ligation Reversal vs IVF

    It is possible to get pregnant after tubectomy operation with tubal ligation reversal vs IVF procedure. Couples think that whether tubal reversal or IVF is better for treating infertility issues. The tubal reversal and IVF pros and cons need to be considered before opting for any of them.

    Read More

    Trending Articles

    surrogacy
    surrogacy

    5 Best Surrogacy Doctors in India

    posted on 14 Aug 2018 4.5 / 5(1 Votes)

    Find the list of best surrogacy doctors in India who offers the best treatment with the highest success rate. The list has been categorized on the basis of doctors fame, experience, reviews, ratings, and cost. Dr. Mohit Saraogi from Saraogi Hospitals and IRIS IVF Centre and Dr. Kaberi Banerjee from Advanced Fertility Centre top the list of the best surrogacy doctors in India.

    Read More

    IVF
    ivf

    Best IVF Doctors in India with Highest Success Rates

    posted on 14 Aug 2018 4.7 / 5(3 Votes)

    Find here the list of best IVF doctors in India on the basis of Ratings, Success Rate, Services offered, IVF cost packages and available Facilities. Dr. Nisha Bhatnagar, Dr. Kaberi Banerjee and Dr. Anjali A Deval top the list of such IVF doctors in India due to their unique pricing system, popularity and high success rate.

    Read More

    surrogacy
    surrogacy

    Top Surrogacy Centres in India with Highest Success Rates

    posted on 14 Aug 2018 4.8 / 5(2 Votes)

    In this article we bring you the best Surrogacy Centres and clinics in India with Review Ratings, Cost Estimates, and Surrogacy Success Rate to help you make the best choice. Aveya IVF and Surrogacy Centre and Advanced Fertility and Surrogacy Centre tops the list of such surrogacy centres in India due to their low treatment costs, popularity and high success rates.

    Read More