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/Assisted Reproductive Treatment
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What is Assisted Reproductive Treatment in health insurance?
Covers fertility treatments like IVF or IUI for couples having difficulty conceiving naturally. Each treatment cycle can cost Rs 1-2 lakh and often needs multiple attempts. This cover is rare in standard plans and is usually an optional add-on.
Every plan, ranked11 · 3 standard · 2 limited · 5 not covered · 1 not yet reviewed
Star HealthStandardFamily Health OptimaUp to ₹2 Lakh per year
Standard
IUI, IVF, ICSI and TESA/TESE are covered inside the base plan after a 36-month wait, and you do not need to be admitted to hospital to claim. The most the policy pays is Rs.1 lakh at a Rs.5 lakh Sum Insured and Rs.2 lakh from Rs.10 lakh upwards - and that amount covers a whole 36-month block, not each year.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Treatment expense limitUp to ₹2 Lakh per year
Procedures CoveredIUI, IVF, ICSI, TESA/TESE
Waiting Period (Months)36 months
Cycle limitNo cap on cycles per year
Watch out
Both partners must stay insured under this policy without a break for the whole block, or the benefit is not payable. Pre- and post-treatment expenses, cryopreservation, surrogacy and fertility-improving surgery are all excluded, and neither Automatic Restoration of Sum Insured nor the Recharge Benefit adds to this limit.
Star HealthStandardStar Health AssureUp to ₹2 Lakh per year
Standard
Fertility treatment is built into the base plan rather than sold as an add-on. IUI, IVF, ICSI and TESA/TESE are reimbursed up to ₹1,00,000 to ₹4,00,000 a policy year depending on your sum insured, after a 24-month wait. One cycle is paid per policy year, and you do not need to be admitted as an in-patient to claim.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Treatment expense limitUp to ₹2 Lakh per year
Procedures CoveredIUI, IVF, ICSI, TESA/TESE
Waiting Period (Months)24 months
Cycle limitUp to 1 cycles per year
The catch
Cryopreservation and storage of sperm, eggs and embryos, surrogacy, and fertility-enhancing surgery such as diagnostic laparoscopy with ovarian drilling are all excluded. Real parts of an IVF plan are paid by you.
Star HealthStandardSuper StarOptional - Up to ₹2 Lakh per year
Standard
Assisted reproduction is bought as Option C of the Maternity Expenses cover. It reimburses IUI, IVF, ICSI and TESA or TESE for sub-fertility, one cycle a Policy Year, up to a yearly limit that rises with your Sum Insured from Rs.1,00,000 to Rs.4,00,000. You wait 24 months, and both you and your spouse must have been covered for all 24. No in-patient admission is needed.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Treatment expense limitUp to ₹2 Lakh per year
Procedures CoveredIUI, IVF, ICSI, TESA/TESE
Waiting Period (Months)24 months
Cycle limitUp to 1 cycles per year
Watch out
Only one treatment cycle is paid in a Policy Year, so a second attempt in the same year is paid from your own pocket. The benefit is a reimbursement, which means you settle with the fertility centre first and claim it back. The limit is a rupee amount, not a share of your Sum Insured, so at the lower Sum Insured levels it pays part of a cycle rather than all of it.
ICICI LombardLimitedElevateOptional - Up to ₹1 Lakh per year
Limited
Fertility treatment is excluded unless you buy the Elevate HER Nurture add-on, which needs a base Sum Insured of ₹7.5 lakh or more and a woman aged 23 to 45. It covers IVF, ICSI and IUI after a 36-month waiting period - one procedure a policy year, three in a lifetime - from a limit of ₹75,000 to ₹2,00,000 that maternity also draws on.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Treatment expense limitUp to ₹1 Lakh per year
Procedures CoveredIVF, ICSI, IUI
Waiting Period (Months)36 months
Cycle limitUp to 1 cycles per year
Watch out
The waiting period is 36 months from the date you buy the add-on. The limit is shared with maternity, so a delivery claim and a fertility cycle in the same policy year come out of the same money. Everything done for the male partner - his tests, his drug therapy, surgical sperm retrieval - is outside the cover, and the procedure must be at a government-registered ART centre.
HDFC ERGOLimitedOptima RestoreOptional add-on
Limited
The base plan excludes sterility and infertility treatment, naming IVF, ZIFT, GIFT and ICSI. The optional Parenthood add-on brings back IVF treatment and embryo storage, after a 2-year waiting period. Gestational surrogacy and reversal of sterilization stay excluded. Neither document states the add-on's limit or how many cycles it pays for.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Procedures CoveredIVF
Waiting Period (Months)24 months
Cryopreservation and storage IncludedYes
Gestational surrogacy IncludedNo
Watch out
Without the Parenthood add-on every fertility treatment is excluded. You pay the whole IVF bill from your own pocket.
Star HealthNot coveredStar ComprehensiveNot in this plan, and not sold as an add-on
Not covered
This policy does not pay for fertility treatment. Sterility and infertility expenses are excluded by name - artificial insemination, IVF, ZIFT, GIFT, ICSI and gestational surrogacy - and no add-on buys them back.
Coverage detailstap any row to understand it
How it's coveredNot covered
Care HealthNot coveredCare AdvantageNot in this plan, and not sold as an add-on
Not covered
Care Advantage does not cover fertility treatment. Artificial insemination, IVF, ZIFT, GIFT, ICSI and gestational surrogacy are named in the permanent exclusions, along with any expense related to sterility or infertility. No optional cover buys this back, so every cycle is paid by you from your own pocket.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
The same clause also excludes contraception, sterilisation and reversal of sterilisation. It sits under Permanent Exclusions, so holding the policy for more years never makes these claimable.
Aditya BirlaNot coveredActiv One · VYTLNot in this plan, and not sold as an add-on
Not covered
Fertility treatment is not covered. The policy excludes sterility and infertility expenses by name, and lists IVF, ZIFT, GIFT, ICSI and artificial insemination, along with gestational surrogacy and reversal of sterilisation. Every treatment cycle is paid from your own pocket.
Coverage detailstap any row to understand it
How it's coveredNot covered
Care HealthNot coveredCare SupremeNot in this plan, and not sold as an add-on
Not covered
Care Supreme does not pay for fertility treatment. Assisted reproduction is a permanent exclusion, and the clause names artificial insemination, IVF, ZIFT, GIFT and ICSI as well as gestational surrogacy. There is no optional benefit in this product that buys the cover back.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
The same exclusion also covers contraception, sterilisation and reversal of sterilisation, so those procedures are not paid either. One IVF cycle costs about ₹1,50,000 to ₹2,50,000 in an Indian city and often takes more than one attempt. You pay all of it from your own pocket under this policy.
Niva BupaNot coveredReAssure 3.0 · ClassicNot in this plan, and not sold as an add-on
Not covered
Fertility treatment is not covered. The policy excludes sterility and infertility expenses and names IVF, ZIFT, GIFT, ICSI, artificial insemination and gestational surrogacy inside that exclusion. No add-on in this product buys the cover back.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
The Wellness for Women add-on offers fertility-related content and sessions, not fertility treatment. Do not read it as IVF cover.
HDFC ERGOUnverifiedOptima SecureOptional add-on
Unverified
The base policy excludes all fertility treatment. IVF is payable only if you buy the Parenthood add-on, and only after 2 years from the date you take it. The add-on names IVF and embryo storage; IUI, ICSI and gestational surrogacy are not named and stay excluded.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Procedures CoveredIVF
Waiting Period (Months)24 months
Cryopreservation and storage IncludedYes
Gestational surrogacy IncludedNo
Watch out
The add-on's cost limit, the number of cycles it will pay for and whether you must be admitted to hospital are not stated in either document, so ask for the Parenthood wording before you buy. One IVF cycle in India commonly costs ₹1,50,000 to ₹2,50,000 and most couples need more than one.
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Or read one we prepared for Assisted Reproductive TreatmentSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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