Best Money Back Policy 2023 – Check Feature, Benefits and Eligibility for Money Back Policy
4156
5 min read
Becoming a parent for the first time is one of the most amazing experiences and the joyous feeling of holding your baby is unparalleled. Sadly, this joy eludes some couples due to the problem of infertility. Infertility has emerged as a very common and major cause of concern for most couples in the last decade or so. The health insurance sector has tried to thus create plans to extend a financial protection in such cases by introducing insurance cover for infertility. However, more clarity is required to answer the query does health insurance cover fertility treatments?
In this article, we are going to find out if infertility is covered under health insurance plan, and what all infertility processes are included under such coverage. To start with, let us understand the meaning of infertility.
When a couple is unable to conceive a child despite having regular intercourse for over a year without the use of any contraceptives, the condition is called Infertility. Thus, infertility is the condition where a couple can’t conceive despite trying regularly for 12 months.
Both male and female can experience infertility and can be the cause of not being able to conceive. Since fertility declines with the age of a woman, so a women above the age of 35 is considered infertile if she couldn’t conceive within 6 months of unprotected sex. And in men the problems in the ejection of semen or low sperm count can be the reason for inability to conceive.
Primary infertility is when a couple is not able to conceive even after 1 year of unprotected sex, while secondary infertility refers to when the couple has conceived once but couldn’t conceive the again even after regular try.
Infertility can be due to many conditions. Here are some of the common causes of infertility:
Does health insurance cover fertility treatment? This is one of the common questions that most people ask insurance companies/agents.
Treatment for infertility is highly-priced in India and in most countries across globe. IVF, which is a common treatment for infertility is priced between INR 1 lakh to INR 4 lakh and still has no guarantee of being 100% successful. Most couples looking for infertility treatment ask – is ivf covered by insurance? However, it is very unfortunate that at present most health policies do not offer coverage for treatment of infertility.
However things are slowly changing for good and some companies have started offering health insurance that covers infertility treatments. Some of them offer infertility cover in the base policy, while others include it as add-on coverage. Further, some companies combine infertility cover with maternity coverage.
However, depending on the plan, the coverage offered for infertility differs. Every plan doesn’t provide comprehensive coverage or provide coverage for infertility treatment. Thus, it is important to compare insurance policies to understand the expenses covered by different plans before choosing the best one.
Also, it is important to know that infertility coverage in a policy might have an extended waiting period and capping. So, comparing different policies is very important so that you can find the best plan offering maximum infertility coverage.
Below some of the procedures or treatments of infertility that a health insurance policy should cover:
In this procedure, eggs are collected from the ovaries of female and are united with the sperm of the partner in a lab to create an embryo, which is later planted in the uterus of the female.
In this process, the sperm of the male is inserted directly in the female uterus when she is ovulating.
Here, eggs of female are mixed with sperm of male in the lab and later it was planted in the fallopian tubes.
Here, a single sperm of the male partner is injected to a single egg of the female in the laboratory, which is then placed in the uterus later.
An insurance policy offering coverage for infertility might have certain terms and conditions. So, it is important to have a check on the following things before buying a health insurance that covers infertility treatments:
To Conclude
As per data, 10-14 % of Indian couples face infertility issues making it one of the major health issues that concerns couples.
This is why millions of couples in the country who are unable to conceive due to infertility seek IVF insurance. And this has caused a high demand for infertility coverage in India. There are many companies offering coverage for infertility. However, it is important to check and compare different policies before purchasing the one that suits your needs.
Browse PayBima Blogs to read interesting posts related to Health Insurance, Car Insurance, Bike Insurance, Term Life Insurance, and Investment section. You can visit PayBima to Buy Insurance Online.
Does Health Insurance Cover Treatment for Infertility? Treatment for infertility is expensive both domestically and overseas. An IVF procedure, for example, can cost anywhere from Rs 1 lakh to Rs 4 lakh with no assurance of success. However, the majority of health insurance companies do not pay for infertility treatments.
~ Magma HDI Maternity Cover.
~ Star Health Insurance (Women's Care Policy)
~ Care Classic Health Insurance Plan.
Yes, the medical condition can affect both males and females.
Knowing the kind of infertility therapy you and your spouse should receive is crucial. Once this has been decided, choose a health insurance plan that will pay for the cost of any necessary treatments for infertility as well as a variety of treatment options. Some types of infertility treatments may not be covered by health insurance plans that cover infertility treatment. Therefore, before purchasing an insurance policy, make sure to review the plan's terms and exclusions.
PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
AYUSH treatments have recently generated massive popularity as an emerging branch of medicine. Looking at the increasing demand for the treatment, it has become imperative.
The year 2024 started with some groundbreaking measures and initiatives in the health insurance sector to facilitate policyholders with better health coverage and benefits. One.
Our knee is an important joint in the entire musculoskeletal system. The support and strength of the knee are pivotal for fluid movement and locomotion..
Updated on Jan 30, 2024 Understanding how OPD and IPD are two different terms in medical science, their coverage in health insurance plans and the.
Updated on Jan 23, 2024 February 10 marks the National Deworming Day observed every year across India. Let us understand the importance of deworming and.
Insurance is an indispensable requirement. However, not everyone can afford individual medical insurance to stay covered against major uncertainties, especially after retirement. If that is.
Updated on Feb 22, 2024 World Cancer Day aims at educating people and spreading awareness about detecting cancer and its prevention and treatment. Let us.
Updated on Jan 23, 2024 Rare Disease Day is an occasion observed on the last day of February every year. This year February 28 marks.
Cancer is a disease that needs no introduction. We all know how deadly the disease is and how rapidly it is spreading across the world,.
Updated on Jan 30, 2024 What is Insurance Regulatory and Development Authority (IRDA)? - Know in Detail The Insurance Regulatory and Development Authority of India.
Speak to our advisor
Mahindra Insurance Brokers Limited (A Mahindra Group Company) - Unit-202, A-Wing, 2nd Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, LBS Marg, Kurla West, Mumbai - 400070. Tel: +91 22 66423800
Licenced by IRDAI License No. 261; License Validity : 17-05-2025; Category : Composite Broker; CIN : U65990MH1987PLCO42609 Member of Insurance Brokers Association of India (IBAI).
Insurance is the subject matter of solicitation.
For a seamless experience, use the latest version of Chrome/Firefox/Internet Explorer.
Copyright © 2024 Mahindra Insurance Brokers. All Right Reserved.
Verify your number to activate your best premium offer
Please enter the OTP sent to XXXXXX 4099 to continue