For thousands of couples in India, IVF (In Vitro Fertilization) is not just a medical treatment—it is a doorway to hope, healing, and the long-awaited dream of becoming parents. Yet, infertility treatment can be emotionally overwhelming and financially challenging, especially in a country where fertility care is still not fully covered under standard health plans.
The good news?
India is slowly progressing. In recent years, the government, insurance companies, and healthcare regulators have begun introducing support systems, benefits, and partial coverage options to make IVF more accessible and affordable.
Whether you’re just starting your fertility journey or already researching treatment options, this blog will guide you through everything you need to know about IVF in India—from government schemes to insurance coverage and financial assistance programs.
We’ll also share how compassionate fertility centres like Ayuh Fertility Centre, Ahmedabad, help couples navigate these options smoothly.
Understanding IVF in India: Why Support Matters
Infertility affects an estimated 27–30 million couples in India. That’s nearly 1 in 6 couples. Despite its growing prevalence, fertility care often remains misunderstood, unaffordable, or emotionally draining.
A standard IVF cycle in India typically costs between ₹1.2 to ₹2.5 lakhs, depending on medication, technology, and diagnostic requirements. For couples needing advanced treatments like ICSI, donor eggs, or genetic testing, costs can rise further.
This is why government support and insurance coverage are becoming increasingly important. With infertility now officially recognized as a medical condition by the WHO, more institutions are stepping forward to make IVF financially accessible.
Government Schemes for IVF in India
While India does not yet have a universal IVF subsidy, several central and state-level programs support fertility treatments—directly or indirectly. These schemes help reduce costs, cover medication, or support lower-income families seeking parenthood.
Let’s break them down:
1️⃣ CGHS – Central Government Health Scheme (Partial IVF Coverage)
Who is eligible?
Central government employees, retired pensioners, and dependent family members.
What is covered?
- Partial reimbursement for IVF
- Frozen embryo transfer support in some cases
- Diagnostic tests related to infertility
- Assisted reproductive procedure support (varies regionally)
Coverage amounts differ by city and hospital, but many CGHS-approved centres offer IVF at subsidized rates.
Limitations:
- Only up to a certain number of cycles
- Requires treatment from CGHS-empanelled hospitals
- Often needs medical justification for approval
2️⃣ ESIC – Employee State Insurance Corporation (Free IVF for Eligible Women)
One of the most impactful fertility benefits in India comes from ESIC.
Eligibility:
- Women earning up to ₹21,000 per month
- Registered under ESIC for at least 2 years
Benefits:
- Free IVF treatment at ESIC-approved centres
- Coverage for medicines, procedures, and hospital stay
- Support for related infertility surgeries like laparoscopy
This is one of the few schemes that provide fully funded IVF to low-income families.
3️⃣ State-Level Fertility Discounts & Support Programs
Some Indian states provide additional support, especially for economically weaker sections (EWS). For example:
Tamil Nadu Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS)
Covers certain infertility-related procedures and diagnostics.
Maharashtra & Rajasthan – Public Hospital IVF Subsidies
Government hospitals in major cities offer IVF at highly reduced prices, sometimes as low as ₹20,000–40,000 per cycle.
Delhi Government IVF Subsidy (Selected Hospitals)
A few government hospitals provide IVF at subsidized costs for eligible couples.
These initiatives aim to make IVF accessible beyond major private centres.
4️⃣ National Health Mission (NHM) – Indirect Support for Infertility
Although NHM doesn’t directly fund IVF, it covers:
- Reproductive health counselling
- PCOS awareness programs
- Menstrual health management
- Preconception care
This helps couples understand infertility early, improving IVF outcomes later.
Insurance Coverage for IVF in India: What’s New in 2025?
Health insurance companies in India have historically avoided covering infertility, but things are finally changing.
As of 2025, more insurers are offering add-ons, partial coverage, and maternity-linked fertility benefits.
1️⃣ Private Health Insurance Plans Offering IVF Coverage
Some insurers that now offer IVF or infertility coverage (full or partial) include:
- HDFC ERGO
- Star Health
- Aditya Birla Activ Health
- Niva Bupa
- Care Health Insurance
What do these plans usually cover?
- Diagnostic tests
- Doctor consultations
- Hormonal evaluations
- Ovulation induction
- IUI coverage (common)
- IVF partial reimbursement
What is not covered?
- Donor eggs/sperm in most plans
- Genetic testing (PGT-A)
- Advanced ART services
- Multiple cycles
- Cryopreservation in many cases
2️⃣ Maternity & Infertility Combo Plans
Some insurance products now provide maternity + infertility benefits, such as:
- Coverage for infertility evaluations
- Partial IVF reimbursement after waiting periods
- Coverage for medications
Typically, these plans have a waiting period of 2–4 years, so planning ahead is important.
3️⃣ Corporate (Employer) Insurance – A Growing Benefit
Many modern companies—especially IT, consulting, and MNCs—now offer fertility treatment coverage as part of employee benefits.
Companies like:
- Accenture
- Infosys
- TCS
- Microsoft
- Deloitte
offer fertility allowances ranging from ₹1–₹5 lakhs, covering IVF, ICSI, and egg freezing.
This trend is growing rapidly in metropolitan India.
Low-Cost IVF in India
Besides government schemes and insurance, low-cost IVF options are available at:
- Government hospitals
- Medical colleges
- Fertility foundations
- High-volume IVF centres
These centres offer affordable IVF because:
- They subsidize lab costs
- Use bulk medication procurement
- Conduct training programs
- Operate on a non-profit model
A typical low-cost IVF cycle here may cost ₹40,000 to ₹70,000, making it accessible to lower-income families.
How Ayuh Fertility Centre Helps Couples Access IVF Support
At Ayuh Fertility Centre, Ahmedabad, we understand that fertility treatment can be stressful—not only emotionally but financially. That’s why we actively help couples navigate:
- Eligibility for ESIC and CGHS
- Understanding insurer benefits
- Hospital documents required for reimbursement
- Low-cost treatment options
- EMI plans for IVF
- Discounts on diagnostic packages
- Income-based support options
Ayuh also offers:
✨ Transparent IVF pricing
✨ No hidden charges
✨ EMI and installment options
✨ Personalized care to reduce unnecessary costs
✨ AI-powered IVF that decreases failed cycles
Our goal is simple: make IVF accessible, compassionate, and affordable for every couple.
Who Can Benefit the Most From Government & Insurance Support?
- Young couples with financial limitations
- Women with PCOS or ovulation disorders
- Couples requiring IUI first
- Men with male-factor infertility
- Couples needing fertility diagnostics
- Employees with corporate health insurance
- ESIC-registered workers
- Central government employees
FAQs | IVF in India
1. Does the Indian government offer free IVF treatment?
Yes. Under ESIC, eligible women earning up to ₹21,000 per month can receive completely free IVF treatment at ESIC-approved centres. Some state government hospitals also provide highly subsidized IVF cycles ranging from ₹20,000 to ₹50,000.
2. Does health insurance cover IVF in India?
Many private insurers now provide partial IVF coverage, including diagnostic tests, consultations, ovulation induction, and sometimes IUI/IVF reimbursement. Companies like HDFC ERGO, Niva Bupa, Care Health, and Star Health offer infertility add-on benefits. Corporate employers also increasingly provide fertility coverage.
3. Which government scheme is best for IVF support?
The ESIC scheme is the most beneficial, offering full coverage for IVF treatment. CGHS provides partial reimbursement for central government employees and pensioners. Some states offer IVF subsidies in government hospitals at significantly lower costs.
4. Can IVF insurance cover multiple cycles?
Insurance usually covers one IVF cycle or partial reimbursement, depending on the policy. Most plans do not cover donor programs, genetic testing (PGT-A), or multiple cycles, but some corporate plans offer higher fertility budgets.
5. How can Ayuh Fertility Centre help with IVF schemes and insurance?
Ayuh Fertility Centre assists couples by:
- Checking eligibility for ESIC/CGHS
- Helping with insurance documentation
- Providing transparent cost breakdowns
- Offering EMI and affordable IVF packages
- Reducing unnecessary tests or add-ons
- Guiding patients through every financial and medical step
This makes IVF more accessible, organized, and stress-free.
Conclusion | IVF In India
IVF in India is becoming more accessible than ever before. With government schemes like ESIC and CGHS, state-level subsidies, and the increasing availability of insurance coverage for infertility, couples now have real financial support on their journey to parenthood. These initiatives not only reduce the cost burden but also make advanced fertility treatments like IVF, ICSI, and genetic testing achievable for families from all backgrounds.
But navigating these benefits can feel confusing. That’s where compassionate centres like Ayuh Fertility Centre, Ahmedabad, make a difference. The team helps couples understand eligibility, guides them through documentation, and offers transparent pricing and EMI support so treatment becomes less stressful and more hopeful.
If you’re planning IVF in India, understanding these schemes can save you time, money, and emotional strain. With the right information and the right clinic, parenthood becomes not just a dream—but a reachable future.
