IVF TREATMENT

INSURANCE

www.indoreinfertilityclinic.com
IVF Insurance and Financing: DOES IVF Cover
Health Insurance?
IVF and fertility treatment are rarely covered by health insurance plans
offered by many companies.

However, over the past three years, a few health insurance providers have
begun to cover IVF therapy and infertility diagnostics as part of their health
insurance coverage.

Infertility is increasing, and this is a universally acknowledged reality.

Almost one in eight couples requires assistance from different assisted
reproductive procedures in order to become pregnant.

While 1 in 6 couples might require treatments like IUI, IVF, or ICSI to

become pregnant. 30% of those who attend the infertility clinic regularly will
eventually require IVF therapy.
 • Cost of IVF injections and drugs that are used for ovarian stimulation

• Cost of disposables (one-time-use items) that are used in the IVF lab
Why is IVF treatment so and OT during the process of IVF

expensive? • Cost of culture media and other consumables ( media used during
various steps of the IVF process within the IVF lab)

• Cost of the equipment within the IVF lab.

• Cost of hiring an experienced embryologist to run the IVF lab who

will consistently deliver the best IVF results.

• Cost of hiring good IVF injection nurses who are experienced enough
to handle IVF injections meticulously and timely.

• Cost of a skilled IVF specialist who will use his or her knowledge to
recommend the best IVF stimulation for the best IVF results.
 Which insurance policy for maternity benefits or IVF will cover IVF and
associated fertility tests?

There are numerous insurance providers that offer maternity and health benefits.
Three of them that appeared to offer the finest coverage for IVF have just been mentioned.

• IVF treatment
• IUI treatment
• Diagnostic test for Infertility
• Diagnostic test for Fertility
• Procedure cost for Fertility treatment
• Drugs and Medicines related to Fertility Treatment
• Diagnostic Laparoscopy related to Fertility Treatment

Make sure the exclusion criteria DO NOT include anything related

to IVF or fertility treatment by taking careful note of them.
How can I be sure that my
chosen insurance plan will
cover the cost of IVF?

To be certain, contact any IVF clinic of your choice and speak with their mediclaim
department to clear up any confusion.

Typically, the mediclaim department will advise you on which insurance provider is
the most accommodating in terms of cashless payment and coverage.
Will the insurance company cover the total cost of IVF
treatment?
• It is dependent on the insurance policy. Most
insurance policies have a treatment cap. The cap is
determined by the entire value of the policy.

• The typical cap for IVF treatment for a policy amount

of INR 5 lakhs is around INR 50,000.

• The policy document contains all of this information.

Please carefully study the policy to understand what
and how much the insurance company will pay.
 Contact Informations

96444 44066
www.indoreinfertilityclinic.com
contact@indoreinfertilityclinic.com
CHL Hospital, AB Road, Indore, India

THANK YOU