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Health Insurance that covers Infertility Treatment

Are you a couple who is trying to start your family but is stuck with the financial burden of infertility treatments?

Dont worry! Because health insurance is there to convert your dreams of parenthood into reality. 🤩

Health insurance that covers infertility treatment steps in as a beacon of hope. With advancements in medical science, treatments like IVF, IUI, and fertility preservation have become more accessible. Insurance that covers IVF costs eases the financial burden and ensures couples can focus on their journey to parenthood.

Disclaimer: Currently, Digit does not offer any Infertility treatment coverage with our Health Insurance.

Team Digit

What is Infertility?
Causes of Infertility
Does Health Insurance Cover Infertility Treatments?
Infertility Treatment Procedures
Things to Check
How Much Does IVF Treatment Cost in India?
Frequently Asked Questions

What is Infertility?

A lot of people around the world face trouble getting pregnant, and one of the major causes of this is infertility. It is basically a medical disorder that occurs when a couple has had frequent unprotected intercourse for more than a year, but they are still not able to conceive a baby.

In simple words, Infertility is the inability to conceive. These problems can occur in both males and females. The two main types of infertility are:

Primary Infertility: Someone who has not become pregnant after at least one year of unprotected sex.
Secondary Infertility: Someone who has become pregnant at least once but never again.

What are the Causes of Infertility?

Infertility affects millions of couples worldwide and can result from a variety of factors impacting either the male or female reproductive system. Let’s understand the causes to address how infertility occurs and seek the right treatment.

Causes of Infertility in Males

Around one in seven couples face infertility while engaging in frequent, unprotected sexual activity for a year or more. Male infertility contributes to up to half of these couples. Let’s understand what are the main causes of infertility in males:

Varicocele: The swelling of the veins that drain the testicle.
Infection: Some infections can interfere with sperm production or sperm health or can cause scarring that blocks the passage of sperm.
Ejaculation Issues: Retrograde ejaculation occurs when semen enters the bladder during orgasm instead of emerging out of the tip of the penis.
Sperm Production: The production of semen or sperm in males can be in very low amounts, resulting in infertility.
Sperm Quality: The quality of sperm can be poor, which results in poor sperm motility and morphology.
Hormone Imbalance: This is due to disorders of the testicles or an abnormality affecting other hormonal systems, including the hypothalamus, pituitary, thyroid and adrenal glands.
Certain Medications: Testosterone replacement therapy, long-term anabolic steroid use, cancer medications (chemotherapy), certain antifungal medications, some ulcer drugs and certain other medications can impair sperm production and decrease male fertility.

Causes of Infertility in Females

Nearly 10% of females deal with some type of infertility(1). However, it is difficult to tell the exact cause; here are some of the common causes of infertility in females:

Ovulation Disorder: A woman may not consistently ovulate (release an egg) for a variety of reasons. Pituitary tumours, thyroid issues, eating disorders, hormonal imbalances, and extreme stress impact it.
Damage to Fallopian Tube: Pulmonary inflammatory disease (PID) is the most frequent cause of "tubal factor" infertility. PID is frequently caused by untreated gonorrhoea and chlamydia.
Endometriosis: Endometriosis occurs when tissue that normally grows in the uterus implants and grows in other locations. This extra tissue growth can cause scarring, block fallopian tubes, and keep an egg and sperm from uniting.
Uterine or Cervical Causes: This includes scarring inside your uterus' cavity, fibroids, or uterine polyps.

Causes of Infertility in Both Males and Females

Certain causes of infertility can affect both men and women. It includes various lifestyle factors such as the age of the couple, previous infection, obesity, diabetes, excessive smoking, alcohol consumption, stress, irregular sleep patterns, and unhealthy eating habits.

Does Health Insurance Cover Infertility Treatments?

Infertility affects over 27.5 million couples in India, with 1.5% more males than women affected. (2).

Therefore, medical professionals have argued that reproductive treatments should be covered by health insurance plans immediately.

Earlier, there was no coverage provided for infertility treatment in India. Still, with the sudden rise in the demand for IVF and other infertility treatments, companies have started giving IVF coverage in health insurance. It either comes as a cover or an add-on.

Different insurers may offer different levels of health insurance coverage for infertility treatments. Therefore, before buying one, it is advised to review the inclusions and exclusions and the extent of coverage for infertility.

Furthermore, a lengthy initial waiting period in health insurance, sub-limit, or capping may be included in a health insurance plan that covers infertility treatment. Therefore, it's critical to evaluate health insurance policies to identify one that offers the best coverage for infertility treatment.

Infertility Treatment Procedures Covered Under Health Insurance

There are various infertility treatments available to help couples conceive. The insurance companies will pay the medical expenses if you are hospitalized on the advice of the doctor for infertility treatments.

Here are some of the best procedures mentioned that are suggested to the patients based on their conditions:

Type of Infertility Treatment Procedure	Description
IUI (Intrauterine Insemination)	A treatment in which sperm are inserted directly into your uterus when you ovulate.
IVF (In Virto Fertilisation)	Eggs are gathered from your ovaries and combined with your spouse's sperm in a laboratory dish. The resulting embryos are transplanted into your uterus.
GIFT (Gamete Intrafallopian Transfer)	Your eggs are removed, fused together with your spouse's sperm in a dish in a laboratory, and then placed into your fallopian tubes.
ICSI (Intracytoplasmic Sperm Injection)	A single sperm is injected directly into a single egg in the laboratory and the resulting embryo is transplanted into your uterus.

Things to Check Before Buying Health Insurance with Infertility Treatment Cover

The policyholder must often follow the terms and conditions of a medical insurance plan that covers infertility treatment. Therefore, look for the following features in the policy before purchasing health insurance online for fertility treatment:

The requirements for qualifying for coverage of fertility treatments
If the cost of the diagnosis is covered by insurance
Procedures that the health insurance will cover
Limitations of the policy and the scope of coverage offered
Waiting period associated with treatment (2-4 years)
If the cost of medication is covered by insurance
Extra costs for any infertility treatments

How Much Does IVF Treatment Cost in India?

The most common infertility treatment suggested to couples is IVF. Hence, having insurance that covers the IVF cost is important. Several IVF treatment facilities provide packages excluding genetic testing, monitoring, and other extra services needed throughout the procedure.

IVF treatment might cost between ₹1,00,000 and ₹3,00,000, depending on several factors. Hence, it is important to have IVF insurance with maximum coverage. Here is a list of cities and their average IVF cost based on several factors:

Cities in India	IVF Treatment Cost (INR)
Delhi/Delhi NCR	1,20,000 – 2,50,000
Mumbai	1,50,000 – 3,00,000
Bengaluru	1,40,000 – 2,80,000
Chennai	1,30,000 – 2,70,000
Hyderabad	1,20,000 – 2,40,000
Kolkata	1,10,000 – 2,30,000
Pune	1,20,000 – 2,40,000

Disclaimer: The above cost is for representation purposes only. It is the average cost of IVF treatment in different cities. The actual price can vary on the basis of the cause of infertility, type of treatment and city. Source.

Remember, health insurance that covers infertility treatment is a crucial step toward making fertility care more accessible and affordable. It not only eases financial stress but also empowers individuals and couples to pursue their dream of parenthood with confidence.

With the right coverage, the journey to starting or expanding a family becomes smoother filled with hope and possibilities. Make an informed decision today and take a step closer to embracing the joy of parenthood.

FAQs about Health Insurance with Infertility Treatment Cover

All

Is infertility treatment covered for both males and females?

Yes, the infertility treatment is covered for both males and females. However, it differs from policy to policy in terms of coverage, premium and eligibility.

Can someone who has a kid already avail infertility treatment cover for the second child?

Yes, you can avail the infertility treatment for both primary treatment and secondary treatment. Primary treatment refers to those who undergo treatment for the first time for the first child and secondary treatment refers to those who already have a child but want to conceive with one more.

If my partner is infertile but I am insured with infertility cover, is it still valid for him?

No, if you have infertility treatment coverage and your husband is not covered under it, the insurance company will not benefit your husband.

Is infertility health insurance valid outside India as well?

No, the infertility treatment cover is only limited to India and is not valid for foreign treatment. You can opt for a worldwide treatment plan to get coverage for treatment outside India.

What is the cost of infertility treatment?

The cost of infertility treatment can range from 1.5 to 2 Lac Rupees depending on the type of treatment, the cause of the problem, the hospital chosen and the location of the hospital.

Do I need to pay any part of Infertility coverage under health insurance?

No, your insurance company will pay the cost of infertility treatment if you have opted for infertility coverage. However, some health insurers restrict the total expense, whereas others restrict the pre- and post-hospitalization expenses.

How can I get an insurance coverage for IVF?

To get insurance coverage for IVF, you must purchase it from an insurance company. However, to be eligible for this coverage, you must purchase the infertility coverage health insurance 36 months before receiving an infertility diagnosis.

Is IVF covered by health insurance?

Yes, medical insurance covers IVF treatment. However, this treatment is not covered by all insurance policies. It can differ depending on the plan and provider.

Which insurance is best for treating infertility?

To purchase the best insurance for your infertility treatment, you must:

Knowing what kind of infertility treatment you and your partner require and purchasing the coverage accordingly.
Choose a health insurance plan that will pay for the various forms of infertility treatments as well as the associated costs.
Before purchasing an insurance policy, review the plan's inclusions and exclusions.

Does every health insurance plan cover infertility treatments?

No, not all health insurance plans cover infertility treatments. Coverage varies widely depending on the insurer, the specific plan, and the region. It's important to review your policy details or speak with your insurance provider to understand your coverage.

What types of infertility treatments are typically covered by health insurance?

Commonly covered treatments may include diagnostic tests, medications to stimulate ovulation, and intrauterine insemination (IUI). However, coverage for advanced treatments like IVF can be limited or require specific conditions to be met.

How can I find out if my health insurance covers infertility treatments?

You can find out by:

Reviewing your insurance policy documents
Checking the summary of benefits and coverage
Contact your insurance provider directly.

Can I get infertility treatment coverage if I switch to a different health insurance plan?

Yes, you may get coverage for infertility treatment. You may be able to get infertility treatment coverage if you switch to a different health insurance plan, but it will depend on the new plan's terms and conditions. It's important to compare plans and check their coverage for infertility treatments before switching.

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Health Insurance that covers Infertility Treatment

Table of Contents

What is Infertility?

What are the Causes of Infertility?

Causes of Infertility in Males

Causes of Infertility in Females

Causes of Infertility in Both Males and Females

Reduces Financial Burden

Easy Access to Treatment

Supports Health & Well-being

Does Health Insurance Cover Infertility Treatments?

Infertility Treatment Procedures Covered Under Health Insurance

Things to Check Before Buying Health Insurance with Infertility Treatment Cover

How Much Does IVF Treatment Cost in India?

FAQs about Health Insurance with Infertility Treatment Cover

Is infertility treatment covered for both males and females?

Can someone who has a kid already avail infertility treatment cover for the second child?

If my partner is infertile but I am insured with infertility cover, is it still valid for him?

Is infertility health insurance valid outside India as well?

What is the cost of infertility treatment?

Do I need to pay any part of Infertility coverage under health insurance?

How can I get an insurance coverage for IVF?

Is IVF covered by health insurance?

Which insurance is best for treating infertility?

Does every health insurance plan cover infertility treatments?

What types of infertility treatments are typically covered by health insurance?

How can I find out if my health insurance covers infertility treatments?

Can I get infertility treatment coverage if I switch to a different health insurance plan?

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