Best Health Insurance Plans for Infertility Treatment

Are you looking for a health insurance plan to cover infertility treatment? If yes, we have the right plans for you. The average cost of an IVF cycle can be around INR 2.5-4 Lakh, and the additional medicines and tests required for the procedures like Frozen Embryo Transfer and others can further increase the cost of treatment. So to cover all these medical expenses, you need a health insurance plan. Read this page further and know about the best health insurance plans for infertility treatments.

Top Health Insurance Plans for Infertility Treatment

The following are the health insurance plans that will cover your infertility treatment expenses at an affordable premium amount. Let’s check them out below:

Magma HDI OneHealth Plan

Under Magma HDI OneHealth Plan, you will get coverage against IVF treatment only if it is advised by a specialist medical practitioner. The insurer shall cover the IVF treatment expenses, provided your age is less than 40 years. Claims shall be admissible for IVF treatment after a waiting period of 3 years. IVF Treatment is covered up to INR 50,000 under Magma HDI OneHealth Plan.

The sum insured options are as follows:

1. Support Plan – INR 2 Lakh, 3 Lakh, 4 Lakh & 5 Lakh
2. Secure Plan – INR 2 Lakh, 3 Lakh, 4 Lakh, 5 Lakh, 7.5 Lakh & 10 Lakh
3. Support Plus Plan – INR 2 Lakh, 3 Lakh, 4 Lakh, 5 Lakh, 7.5 Lakh & 10 Lakh
4. Shield Plan – INR 2 Lakh, 3 Lakh, 4 Lakh, 5 Lakh, 7.5 Lakh, 10 Lakh, 15 Lakh, 20 Lakh, 25 Lakh, 30 Lakh & 50 Lakh
5. Premium Plan – INR10 Lakh, 15 Lakh, 20 Lakh, 25 Lakh, 30 Lakh, 50 Lakh & 1 Crore

Note: Third-party surrogate, gestational carrier in pregnancy or any expenses for consultation, diagnostic tests or procedure of infertility shall not be covered under this benefit.

Digit Healthcare Plus Policy

The insurer shall pay the medical expenses incurred due to infertility/infertility treatments during the policy term, provided the same has been advised by the doctor. Under Digit Healthcare Plus Policy, you’ll get coverage against – IVF, IUI, ZIFT, ICSI. The following conditions shall apply to this coverage:

1. A waiting period as opted by you will apply from the date of inception of the policy. You can choose your waiting period from the following: No Waiting Period, 1 Year, 2 Years, 3 Years, 4 Years.
2. The maximum liability per hospitalization under infertility treatment cover is restricted to the amount as mentioned in your policy schedule
3. The benefit is payable only once to an insured person during the policy term

The coverage amount under infertility treatment ranges from INR 10,000-3,00,00,000.

New India Premier Mediclaim Policy

If you purchase New India Premier Mediclaim Policy, you will get coverage for medical expenses incurred for the treatment of infertility, including outpatient treatments. The coverage for infertility treatment is limited to INR 1,00,000 for Plan A and INR 2,00,000 for Plan B. Conditions applicable to infertility treatment are as follows –

1. If any claim is paid to the insured in respect of infertility treatment, the benefit under this clause shall not be available for any subsequent renewals.
2. Claims shall be admissible for infertility treatment after a continuous coverage of 36 months

This policy comes in two variants:

1. Under Plan A, you’ll get a sum insured option from INR 15,00,000 to 25,00,000
2. Under Plan B, you’ll get a sum insured option from INR 50,00,000 to 1,00,00,000

The minimum premium amount is INR 12,519 and the maximum premium amount is INR 3,19,475.