Well, if this is a longer-term fertility journey for you, then you will already know how emotionally exhausting it can be. And if you pile financial pressure on top, it can weigh really heavily. You see this every day at Ekmi Fertility, and we want you to have open & honest, clear answers not vague reassurances.
If you are going through some of the steps in the IVF surrogacy process as your route to parenthood, one of the first questions which arises is: will my health insurance actually cover this?
The Short Answer: Mostly, No
Firstly, most health insurance providers in India will not cover any IVF treatments under their standard policies. Since fertility treatments are by and large classified as “elective” care, they do not fall under the standard hospitalization umbrella.
Here’s what typically gets excluded:
- IVF cycles include egg retrieval and embryo transfer
- Fertility medications and hormone injections
- Sperm or egg donor costs
- Expenses relating to surrogacy payments made to a surrogate mother
- Pre-implantation genetic testing (PGT)
What Some Policies Do Cover
Some new, enhanced health plans began covering partial infertility benefits. Partial coverage might be found depending on your insurer for:
- Various diagnostic tests (hormonal panels, semen analysis, ultrasound)
- Laparoscopic fertility surgery (e.g endometriosis)
- Hospitalization during egg retrieval in some cases
The trick is to look in the fine print and then speak with your insurer before you assume you are covered for anything.
How to Plan for IVF Costs Without Insurance
Insurance does not cover almost never, so patients do their financing directly. Typically, an IVF cycle in India may range from Rs.1.2 lakh to Rs.2.5 lakh per attempt (clinic-associated fees, medications and additional procedures).
The fertility specialist team at Ekmi Fertility works out treatment plans that are straightforward about time frames and realistic about the costs. This means there are no hidden costs, so you really know what you’re getting yourself in to before the start of the journey.
For a Free Consultation, call us at +91 9319737070 or email us at info@ekmifertility.com.
Surrogacy and Insurance: A Separate Conversation
In India, there are separate charges which come to control the surrogate few. Currently, surrogacy laws only allow for altruistic surrogacy (i.e. commercial surrogacy is no longer a lawful arrangement). This also influence in the cost structure.
The whole surrogate cost is staggered and mostly relies on medical systems, legitimate assistance, care and recompense of surrogacy mother. They are not covered by insurance. What we provide at Ekmi Fertility, one of the best surrogacy clinics in India is affordable surrogacy planning with no secrets involved where you know your every rupee and there are never any unpleasant surprises. The surrogacy doctor will guide you through the medical part of it as well as the legal process and typically our team does this.
FAQs
Q. Are any Indian insurance policies covering IVF?
Hardly any, and then only for diagnostics. Always check with your provider but expect coverage to vary.
Q. How many IVF cycles does it generally take to get pregnant?
It takes on average 2-3 cycles for most couples. However, your fertility specialist will direct you based on your test results and medical history.
Q. Is surrogacy in India legal for all couples?
According to current surrogacy laws, surrogacy is legal for Indian married couples and single women (widowed or divorced). The existing law does not recognize singles, foreigners or same-sex couples in this respect.
Q. What is guaranteed surrogacy program?
This means that if the surrogate is unable to deliver a live birth within the parameters of the original agreement, you get your money back or another cycle for free. The program is created to make you have hope and stay secured economically.
For a Free Consultation, call us at +91 9319737070 or email us at info@ekmifertility.com.