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Insurance, Benefits, cost in India – All you need to know about IVF

There is a myriad of information available about IVF on the web. The information can be chaotically nerve-wracking if you try to process them all at once. This article attempts to simplify by providing credible information and lets you breathe smoothly with all the necessary information you need to know. Benefits of opting IVF, this article briefs you through the various insurance policies available out there and helps you to choose the best insurance policy by guiding you in the right direction according to your needs that suits the budget that you have separated to spend for IVF procedure. Further, you will know about the costs of getting an IVF in India and tips on how to choose the best IVF clinic that is convenient for you and all that you need to know about IVF. Welcome to the course ‘IVF 101’.

To some couples, IVF seems to be the only option to get pregnant with children who have genetically linked them and to wage war with issues relating to infertility. Before discussing all the specifics relating to IVF, it helps to know about the benefits of choosing IVF.

IVF benefits:

IVF provides a window of opportunity to an endless number of couples to achieve pregnancy by addressing the individual partner whether male or female by diagnosing the problems arising in their respective reproductive system. The following provides the list of benefits one gets to take advantage of by choosing IVF.

  1. Undeniable rates of success with IVF: It is not speculative information. Recent research conducted in a fertility center suggests after a minimum tries of at least five complete cycles showed that the success rates involved in the IVF procedure are inversely proportional to the age bracket of the female partner involved. Example, for couples between the age of 35 and under have about 54-45% chances of getting a successful outcome. Similarly, couples between the age brackets of (35-37 years) have about 39-29% of positive results, and it decreases to 20% for couples between the ages 38 to 40 years plus it further goes down to 14% for 40 years of age and beyond. This is linked to the quality of the egg which can be retrieved from the woman, where the level of quality depletes with the factor of increasing age. So, the earlier you opt for IVF, higher are the hopes of success.
  2. Availability of an option to go for multiple attempts: Yes, this advantage is directly linked to increasing the possibilities of achieving conception. You may ask how? Well, to increase the chances of live birth and a fine healthy pregnancy, a couple may opt to never give up and go for multiple attempts if necessary to ensure the occurrence of the desired goal.
  3. No limitations when considering the scope of application:

What are the varying scopes of application? Well, to begin with, the IVF process is not just limited to the problems faced by women. The various issues experienced when fallopian tubes are blocked; when the issue of endometriosis occurs with severe complications and other related problems which happen to women out in general facing fertility problems are extended to the issues related to fertility faced by men such as zero or low sperm counts in their semen or only the presence of testicular sperm can be treated with the help of IVF procedure.

  1. Assists with donated eggs: If the quality of the eggs retrieved is poor and results in the less production of fertilized eggs then a physician might advise an option of going for donated eggs. IVF procedure is most compatible to achieve successful pregnancy even in cases of premature ovary failure and for women undergoing menopause through the use of donated eggs.
  2. Works as a way to terminate genetic illnesses:

Severe abnormalities in babies or early abortions are caused by various abnormalities in chromosomes which results in genetically abnormal embryos that typically lead to cases where there is a failure in proper implantation.

  1. Option to freeze eggs for women:

In some cases where women are so intent in upscaling their lucrative career as a working professional can make use of IVF for postponing their pregnancy at a later date by freezing their eggs in the meantime. Because women at the peak of their career might lose track of their biological clock ticking off when they are trying to decide a face-off between career and planning to start a family.

  1. Assists with surrogacy:

When a woman is physically incapable of handling the birth of the baby from carrying to delivery typically a full-term pregnancy then the couple can opt for pregnancy through surrogacy through IVF.

  1. PCOS Syndrome:

Couples tackling PCOS(Polycystic ovary syndrome) have an irregular flow of menstrual cycles which causes an imbalance in the level of hormones can achieve pregnancy through IVF.

  1. Solves the problem of unexplained infertility:

Few couples face the problem of infertility which remains largely unsolved even after a detailed investigation. IVF process helps to tackle this issue at hand.

  1. Ongoing success statistic from 1978: The first successful baby which was conceived through IVF happened in the year, 1978 and the statistics has been growing since then. It is deemed that this procedure is most importantly safe and long-standing in terms of stability.

 IVF Cost in India:

In India, the cost of IVF treatment is around Rs.250000/- for the whole procedure which ranges from highly expensive to average for most Indians when considering the middle-class families and upper-middle-class families. In developed countries like America the IVF cost totals around $10,000. This is the reason why many foreigners visit India to get IVF treatments as it is less expensive without creating a hole in the budget especially for those families who intend to undergo the procedure here.

 IVF Insurance coverage in India:

Since IVF cycles have top rates of success per attempt there are several top companies which offer health insurance policies. The decision to go for coverage in terms of insurance policies is considered a wise move as it saves much expense when dealing with IVF treatments. Following is a list of policies that cover IVF by various health insurance companies.

  1. “One Health insurance scheme” under Magma HDI Insurance:

This insurance scheme consists of four elaborate plans which deal with various aspects that include support, support plus, shield, and premium range.

Benefits of this policy:

This insurance coverage policy includes

  • Pre-hospitalization expenses which include counseling charges and,
  • Post-hospitalization expenses after opting for the policy,
  • IVF treatment cycles,
  • Annual health checkups which are done free of cost and more.

This plan can be canceled within 15 days and you will be able to avail full reimbursement of funds if the beneficiary is not satisfied with the policy. The sum insured for this support plan consists of a basic cover which starts at 2 Lakh rupees whereas the additional covers, when included in the same plans might go up to 5 Lakh rupees at the maximum.

2.” IVF Suraksha” under Craft Hospital and Research Center:

This IVF ‘Suraksha scheme’ for women is considered as one of the absolutely advantageous IVF covers out there as it insists on applying the modern state-of-the-art technologies for infertility treatment. This plan also has claims under its stipulations which permits the beneficiary to obtain a complete refund particularly if the results of the treatment are not positive under multiple attempts. The insured amount of 2.75 Lakhs of rupees covers two ‘IVF-ICSI’ which includes almost five embryo transfers; transfer of blastocyst, and even techniques which involves assisted freezing at any stage and hatching when required that includes any additional embryos.

For a single IVF-ICSI treatment under this scheme starts at Rupees 1.75 Lakh though, for all the following treatments after the first one, the cost goes up to Rupees 3.5 Lakhs.

  1. “BMB Nirbhaya” scheme proposed by Bhartiya Mahila Bank and New India Insurance:

This scheme is eligible for women having a bank account with Bhartiya Mahila Bank. It covers the majority of the health issues, obesity-related issues, and infertility issues. The insured sum in between 1 Lakh Rs. to Rs. 5 Lakh. The premium for this insurance cover of the value of rupees 1 Lakh is of Rs. 1745/- for the women who are above the age group of 22 years. The specialty of this scheme is it covers even miscarriage which is not covered by other insurance policy schemes.

Thus these schemes help to turn the dream of parenthood into reality. In addition to the modern advancement of technological innovations in the field of medicine, it is guaranteed to get the best possible treatment with special care. It is advisable to reach out to the organizations providing these insurance policies personally to clear out any apprehensions and misconceptions or to gather additional information or even to make general inquiries about the respective insurance schemes.

Things to know about IVF treatment:

  • It is a time-consuming process.
  •  The process can be exceedingly stressful.
  • A healthy embryo works wonders under IVF treatment.
  • You might get highly hormonally intuitive while undergoing IVF treatment.
  • It most typically involves more than one complete cycle to achieve pregnancy.

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