Financial factors play an important role when planning fertility treatment from abroad. At Ekmi Fertility, we see NRI patients every day and we know when that understanding costs, currency exchange, and fee payments from abroad is difficult. Here is exactly how the money part works.
Treatment cost estimates for NRI patients explained
India is much cheaper for fertility treatments compared to western nations. An IVF cycle that would cost between $15,000 and $20,000 in the US or UK runs around $3,000 to $5,000 here for treatment and medication.
Here’s what makes the most or least difference in your final investment:
Type of treatment: IUI, IVF, ICSI or donation programs
Tests in advance of starting this treatment
Personalized medication regiments based on your requirements
Number of cycles you’ll need
Further treatments including PGT, egg freezing or embryo storage
We give a firm cost on estimates for everything. No surprise fees, no surprises midway through your cycle.
Payment Methods That Actually Work
The financial mechanism is convenient for the NRI patients at Ekmi Fertility. You have a few payment options:
Most common is still to wire transfer internationally. Your bank transfers directly into our Indian account. Processing time is 2-5 business days, and you’ll need our SWIFT code and account details.
Partial payments can be paid with credit and debit cards (note: international transactions fees may apply). Verify with your card issuer that you won’t be hit with foreign transaction fees.
Online payment services such as PayPal or Wise provide more competitive rates and quicker processing times when compared to banks.
What this actually is, is flexibility. Just use whatever kind of method is logical for your particular circumstances.
Currency Exchange: How to Get the Best Rates
Exchange rates fluctuate daily. Even a gap of one rupee can make all the difference when you convert a couple of thousand dollars or pounds.
Smart strategies include:
Adjusting watch rates and transferring when they are favorable
Specialized forex services, rather than the banks
Timing transfers with big market news
Breaking larger payments into a series of transfers if the exchange rate is fluctuating
We update exchange rates quite regularly, so you are up to date with what you are paying.
To know more Call 9319737070 or email us at info@ekmifertility.com
Insurance and Reimbursement Options
The majority of overseas insurance policies generally do not provide coverage for fertility treatment in India. Though, few NRI patients have managed to recover some of the treatment cost after returning back home.
Confirm with your insurance company that diagnostic tests, drugs or procedures are eligible for reimbursement before you begin treatment. At your request, we will also send you a full copy of our file and detailed billing information if needed to process your insurance claim.
Tax Considerations for NRI Patients
Medical expenses in India may be a tax-free deduction in your home country. Save every receipt, invoice and payment confirmation. All our documentation is professionally prepared for tax purposes by our accounts department in accordance with international standards.
Managing Ongoing Costs
Fertility treatment is not always a one-time purchase. You might need:
Embryo storage fees (annual)
Follow-up consultations (virtual or in-person)
Medication shipments to your location
Future frozen embryo transfers
At Ekmi Fertility, we assist plan your finances for the entire journey and not just cycle. Money is half the battle in the planning as medicine can be.
To know more Call 9319737070 or email us at info@ekmifertility.com
The Bottom Line
Financial mechanics for NRI patients isn’t a concept that needs a finance degree to comprehend. But it takes clear communication, honest pricing and payment options that are accommodating. That’s what we offer here at Ekmi Fertility. Your attention should be placed on growing your family, not struggling to figure out how you can afford it!
FAQs
Is it possible to make a payment for fertility treatment in installments?
Yes, Ekmi Fertility provide installment options for NRI patients. Get in touch with our finance department for tailored repayment plans.
If treatment is cancelled, how do I address refunds?
Refunds will be made using the original method of payment within 10-15 business days (excluding any non-refundable diagnostic fees.)
Are there extra costs for virtual consultations from overseas?
The first virtual consultations for NRI patients are free. Subsequent visits have low costs added to your treatment.
To know more Call 9319737070 or email us at info@ekmifertility.com