Does Health Insurance Cover Infertility Treatment?

There is no bigger joy than becoming a parent. But infertility has robbed several couples of this happiness. It has emerged as one of the major health issues amongst young Indian couples. Many affected couples compare health insurance plans hoping to find a plan that covers infertility treatment costs.

Read More

Policybazaar exclusive benefits
30 minutes claim support##
(In 120+ cities)
Relationship manager
For every customer
24*7 claims assistance
In 30 mins. guaranteed*
Instant policy issuance
No medical tests~
People trust Policybazaar^
7.7 crore
Registered consumers
53
Insurance partners
4.2 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
0%
Find affordable plans with up to 25% Discount**

Select members you want to insure

  • More Members
  • Back
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    Continue
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Continue
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      Continue
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step

      What is infertility?

      Infertility refers to the medical condition where a couple cannot achieve pregnancy despite a year of having sexual intercourse without using birth control. It is the inability of a couple to conceive within 12 months despite having unprotected sex. Both men and women can suffer from infertility. In women aged 35 years and above, the inability to achieve pregnancy within 6 months of trying is also considered infertility as the fertility in women declines with age.

      Infertility can be of two types - Primary infertility and Secondary infertility. Primary infertility refers to the situation where you are unable to conceive even after having unprotected sexual intercourse for at least 1 year. On the other hand, secondary infertility is the situation where you have achieved pregnancy once but are unable to get pregnant again.

      Unfortunately, about 27.5 million couples in India suffer from infertility that includes 1.5% more men than women. Doctors fear that these numbers are only going to increase in the years to come.

      Causes of Infertility

      There are multiple reasons that can lead to infertility. Take a look at some of the most common causes of infertility in people:

      • Sedentary lifestyle/ obesity
      • Diabetes
      • Smoking
      • Excessive alcohol consumption
      • Stress
      • Irregular sleep patterns
      • Unhealthy eating habits
      • Women reproductive diseases/conditions, such as PCOS, uterine fibroid, etc.
      • Men reproductive illnesses/conditions, such as lower sperm count & quality, ejaculation issues, etc.
      • Advancing age of women
      • Infections & tuberculosis
      • Frequent use of emergency contraception
      • Surgical abortion
      • Pollution
      • Genetic reasons

      Is Infertility Treatment Covered by Health Insurance?

      Infertility treatment is expensive in India and abroad. For instance, an IVF treatment can cost somewhere between Rs 1 lakh to Rs 4 lakh with no guarantee of success. Nonetheless, most health insurance plans do not cover the cost of infertility treatment.

      But in the last few years, some insurance companies have introduced infertility treatment cover under their health insurance plans or plan to do so soon. While some of them are offering infertility treatment cover in the base policy, others offer it as an add-on cover. A few insurers also plan to link the infertility treatment cover with maternity coverage or offer it under policies available with a higher sum insured amount.

      However, the level of coverage for different infertility insurance plans may vary from each other. Not all plans may offer comprehensive coverage and cover all kinds of infertility treatments. It is best to compare health insurance plans and check the expenses covered by each plan before buying any one.

      Moreover, a health insurance plan with infertility treatment cover may come with a long waiting period, sub-limit or capping. Thus, it is important to compare health insurance plans to find a plan that covers infertility treatment in the best possible way.

      Infertility Treatment Procedures Covered under Health Insurance

      An infertility insurance policy may provide coverage for the following infertility treatment procedures:

      1. In Virto Fertilisation (IVF)- It involves gathering eggs from your ovaries and combining them with your partner’s sperms in a laboratory dish to make an embryo. The embryo is then planted into your uterus.

      2. Intrauterine Insemination (IUI) -It involves inserting your partner’s sperms directly in your uterus when you are ovulating.

      3. Gamete Intrafallopian Transfer (GIFT)- It involves mixing your eggs with your partner’s sperm on a laboratory dish and planting it in your fallopian tubes.

      4. Intracytoplasmic Sperm Injection (ICSI) -It involves injecting a single sperm of your partner into a single egg of yours in a laboratory dish. The embryo is then placed in your uterus.

      You can compare health insurance plans offering infertility treatment cover to know the procedures covered by different plans along with their premium.

      Things to Check Before Buying Health Insurance for Infertility Treatment

      An infertility treatment cover may come with a few terms and conditions. Thus, it is important to check the following things before buying health insurance for infertility treatment. Take a look:

      • Check the eligibility criteria to know who is eligible to opt for infertility treatment cover
      • Check if infertility diagnosis cost is covered under the policy
      • Check the infertility treatment procedures covered under the policy
      • Check the extent of coverage and sub-limits for various infertility treatment procedures covered under the policy
      • Check the waiting period for infertility treatment cover as it may range from 2 to 6 years depending on the insurer
      • Check if the cost of medicines used during the infertility treatment is covered
      • Check the number of claims that you can raise under your policy
      • Check if any infertility treatment expenses are available as an add-on cover

      Make sure to compare health insurance plans in order to find an infertility insurance plan at an economical price.

      In a Nutshell

      Infertility has become a major health concern in India. According to the Indian Society of Assisted Reproduction, about 10-14% of the Indian population is affected by infertility, mostly those living in urban areas. Given the higher number of people affected with infertility, the demand for coverage of infertility treatment under health insurance has increased. Since multiple health plans available in India offer infertility treatment cover, you must remember to compare health insurance plans to find the best plan to cover your needs.

      book-home-visit
      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance Articles

      • Recent Article
      • Popular Articles
      26 Sep 2024

      Can You Get Maternity Insurance If Already...

      Pregnancy is one of the most beautiful phases of a woman’s life

      Read more
      12 Aug 2024

      Moratorium Period in Health Insurance

      Getting a health insurance claim accepted for pre-existing

      Read more
      30 Jul 2024

      Is Dengue Covered by SBI Health Insurance?

      Dengue, a common vector-borne disease, causes high fever, severe

      Read more
      30 Jul 2024

      Is Dengue Covered by Reliance Health Insurance?

      Dengue fever can negatively impact you physically and financially

      Read more
      29 Jul 2024

      Modern Treatments in Health Insurance

      Modern treatments have transformed the healthcare industry with

      Read more

      10 New IRDAI Health Insurance Guidelines in 2024

      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population

      Read more

      Zero Waiting Period in Health Insurance Plans

      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A

      Read more

      How to Apply for Ayushman Bharat Pradhan Mantri...

      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal

      Read more

      Best Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      10 Major Benefits of Ayushman Bharat Yojana

      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL