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Health Insurance Coverage for IVF
Jun 15, 2024

Health Insurance Coverage for IVF: Everything You Need to Know!

Parenthood is a fascinating journey for any person, but for couples experiencing infertility, In Vitro Fertilisation (IVF) treatment can be a ray of hope. However, the high cost of IVF treatment can be a major hindrance. This is where health insurance can make a substantial contribution to making the cost of this transformational treatment affordable. Earlier, health insurance did not normally included IVF treatments, but that trend is changing now. Nowadays, most insurance providers offer options under health insurance coverage for IVF or IVF insurance. In this post, we’ll learn more about these.

Does My Health Insurance Policy Include IVF?

To begin, you must understand your current policy. Health insurance plans usually include Maternity health insurance or maternity insurance, which pays attention to prenatal and postnatal treatment. Although certain advanced and special insurance policies offer some protection for some aspects of fertility testing, this isn’t usually the case with IVF.

Types of IVF Treatment Policies

Many insurance policies cover IVF treatment in different ways:


This is an optional coverage insert that you can attach to your health policy. It usually covers a certain amount or percentage of IVF costs. However, it may contain restrictions, such as a cycle cap or a waiting time before protection is applicable.

Standalone IVF policy

This covers IVF treatment under a separate policy. This might provide better coverage than an add-on; it covers other cycles of treatment, medicines, and procedures. Standalone policies can also be more costly than add-on IVF riders.

In-built Coverage

If you get hospitalised for in-patient care due to complications from IVF during the cover period, medical expenses up to the maternity package limit will be covered.

What Should You Understand on an IVF Policy?

Here are a few factors to think about while looking at insurance for IVF treatment or IVF medical insurance:

Coverage Extents

What does treatment cover? For instance, IVF should cover egg retrieval, sperm extraction, embryo transfer, lab fees, and medication.

Limits and Caps

There may be a limit of total benefits per cycle or an overall amount covered for a lifetime.

Number of Cycles Covered

Many insurance coverages may put a limit on the number of cycles.

Waiting Periods

They range from waiting for the coverage to be effective or purchasing the IVF add-on for coverage.

Pre-existing Conditions

This covers infertility due to conditions that could be pre-existing.

Network of Providers

Have a network of fertility clinics and hospitals.

Factors to Consider When Choosing a Plan

  • Specific Needs: The first step is to assess your need and to know how much it will cost.
  • Financial Situation: Check how much you will have to pay and the deductible.
  • Future: If you will need more cycles, a cover that ensures a higher number of cycles will be much beneficial.
  • Doctor’s Network: Check whether your preferred fertility clinic is in the IVF provider network.

Additional Resources and Support

  • Insurance Companies: Inquire directly how you can be covered by calling the insurance.
  • Fertility Clinics: They may have a guide on where to purchase insurance.
  • Support Groups: These could be support groups for in vitro couples going through IVF.


The IVF treatment journey is indeed full of complexities and emotions. Health cover plans that offer IVF insurance are a key way to reduce financial stress. As you check your existing plan and review add-on and standalone options, choose the best coverage for your needs and budget. If you’re looking for a good health insurance online, apply for Bajaj Allianz’s Health Insurance on our website today!


1. Is IVF covered by my regular health insurance?

Not necessarily. Traditional health insurance might not cover IVF, although some plans offer limited coverage for infertility diagnosis. It's best to check your plan details or contact your insurance provider directly.

2. What are my options for IVF insurance?

There are two main options: add-on riders for your existing health plan that offer some IVF coverage, or standalone IVF insurance plans that provide more comprehensive coverage.

3. What factors should I consider when choosing an IVF insurance plan?

Consider your specific needs (number of cycles needed, medications), budget (plan cost, deductibles), doctor's network, and any pre-existing condition exclusions.

4. Where can I find more information about IVF insurance?

Your insurance provider, fertility clinics, and support groups for couples undergoing IVF can offer valuable insights and guidance on insurance coverage options.

5. What's the most important thing to remember when navigating IVF insurance?

Carefully evaluate your options, understand the coverage details (limits, caps, waiting periods), and seek help from insurance providers and fertility clinics to make the best decision for your IVF journey.   *Standard T&C apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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