Which Insurance Covers IVF in India? A Comprehensive Guide

In India, infertility remains a prevalent concern affecting millions of couples in their reproductive years. According to the World Health Organization (WHO), infertility is defined as the inability to achieve pregnancy after 12 months or more of regular unprotected sexual intercourse. Shockingly, an estimated 33-34 million couples in India face challenges related to infertility, but only a mere 1% seek treatment due to various reasons, including limited awareness and financial constraints.

This article is your go-to guide about infertility in India. We will explain what infertility is, why it’s becoming more common, and the challenges faced during IVF treatment. Most importantly, we’ll discuss a unique health insurance plan by Indira IVF and SafeTree. This plan aims to help couples dealing with infertility by covering their treatment costs. Let’s explore how this insurance can assist those struggling with infertility in India.

Also Read: Is it Valid to send a legal notice sent through WhatsApp, email?

Which Insurance Covers IVF in India
Which Insurance Covers IVF in India

Understanding What Infertility Is?

Infertility is a medical condition that impacts couples who are unable to conceive despite regular attempts at unprotected sexual intercourse. This condition can be attributed to various factors, including physiological issues in either partner, lifestyle-related concerns, underlying health conditions, or a combination of these factors.

What are the Causes for Rising Infertility Cases?

Several factors contribute to the increasing prevalence of infertility in India. Delayed marriages, lifestyle changes, such as stress, obesity, and unhealthy habits, along with undiagnosed health issues, play significant roles. These factors collectively contribute to the growing number of couples experiencing difficulties in conceiving naturally.

Challenges Faced During IVF Treatment:

In Vitro Fertilization (IVF) has emerged as a widely used assisted reproductive technology for couples facing infertility. However, undergoing IVF treatment presents its own set of challenges, notably the high cost associated with the procedures. A significant percentage of affected couples, approximately over 90%, face financial obstacles in accessing IVF treatments due to the expenses involved, making it a daunting journey for many.

Which Insurance Covers IVF in India?

Recognizing the financial barriers hindering couples from seeking necessary fertility treatments, Indira IVF, in collaboration with SafeTree, has introduced a groundbreaking health insurance plan tailored to support couples struggling with infertility in India. This initiative aims to alleviate the financial burden associated with infertility treatments.

The insurance program spans over 24 months and extends comprehensive support to couples below the age of 35. It covers crucial aspects of fertility treatments, including consultations encompassing medical, dietary, and psychological aspects geared towards enhancing natural conception. Notably, the insurance plan covers two rounds each of Intrauterine Insemination (IUI) and In Vitro Fertilization (IVF), along with various associated procedures like egg collection, laser-assisted hatching, blastocyst culture, embryo transfer, and freezing.

Moreover, this insurance coverage extends to include support for oocyte or egg donors and surrogates in compliance with the Assisted Reproductive Technology (Regulation) Act, 2021, and the Surrogacy (Regulation) Act, 2021, ensuring adherence to legal frameworks governing these procedures.


The collaboration between Indira IVF and SafeTree represents a significant step in addressing the financial challenges faced by couples seeking infertility treatments in India. With this pioneering insurance plan, there’s hope for improved accessibility to vital fertility treatments, thus offering a ray of hope to the millions struggling with infertility issues across the country.

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