Health insurance and fertility treatment
60-second summary
Most health insurance policies in India do not pay for IVF, IUI or ICSI, because IRDAI's standard exclusions list infertility treatment. Some tests, and surgery for a medical problem, may be covered, so check your policy and your employer's scheme before you start. Your fertility specialist can help you plan the costs.
IUI vs IVF vs ICSI at a glance
| Main use | Mild male factor, unexplained, ovulation problems | Blocked tubes, endometriosis, failed IUI, low reserve | Severe male factor |
|---|---|---|---|
| Tubes must be open? | Yes | No | No |
| Pregnancy per cycle (under 35) | About 10–20% | About 35–50% | Similar to IVF |
| Clinic visits | 3–5 | 8–12 | 8–12 |
| Approximate cost (₹) | 5,000–25,000 | 1.2–2.5 lakh | 1.5–3 lakh |
Approximate ranges in India; individual results vary a lot with age and cause.
Source: KedVia original diagram · KedVia medical illustration team