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*

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Find affordable plans with up to 25% Discount**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Does Star Health Insurance Cover Dental Treatments?

      23 Apr 2024

      The rising costs of healthcare services have made it necessary for
      Read more
      Surgeries Covered by Magma HDI Health Insurance Plans

      18 Apr 2024

      Magma HDI General Insurance Company offers a spectrum of
      Read more
      Surgeries Covered by Raheja QBE Health Insurance Plans

      17 Apr 2024

      Raheja QBE General Insurance Company offers a diverse range of
      Read more
      Surgeries Covered by Aditya Birla Health Insurance Plans

      16 Apr 2024

      Aditya Birla Health Insurance Company offers a range of
      Read more
      Surgeries Covered by Cholamandalam Health Insurance Plans

      16 Apr 2024

      Cholamandalam MS General Insurance Company offers a range of
      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
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      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 Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Heart Surgery Cost in India
      Heart diseases are the leading cause of death across the globe. As per a survey by the World Health Organisation
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.