IVF Costs ₹2.5L a Cycle: Does Your Policy Cover It?

IVF treatment in India costs ₹1.5–2.5 lakh per attempt, and most health policies cover very little or nothing. Here's what to check in your policy before you need it.

Here's what happened: IVF treatment costs ₹1.5–2.5 lakh per cycle in India, and most patients need 2–3 cycles, making total out-of-pocket expenses ₹3–7 lakh.. The majority of retail health insurance policies in India explicitly exclude infertility and assisted reproductive treatments under their standard exclusion clauses.. IRDAI's 2020 standardisation guidelines mandated maternity coverage in many plans but did not make IVF or fertility treatment coverage compulsory for insurers..

What you should do: Search your policy document for terms like 'infertility', 'assisted reproduction', and 'ART' in the exclusions section — this tells you exactly what you're not covered for.. Check your employer's group health policy for a fertility or maternity rider — some corporate plans include IVF sub-limits that individual policies do not offer.. If you plan to start a family in 3–5 years, buy a comprehensive plan with a maternity and fertility add-on now to start the 2–4 year waiting period clock immediately..

Even if IVF itself is excluded, claim all pre-treatment diagnostics — blood tests, scans, consultations — separately under your policy's OPD or daycare benefit before the procedure starts.

For readers weighing their credit and loan options, our personal loan guide and CIBIL score resources put this update in context.