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IVF Cost In
The average IVF cost in ranges from –
.
The IVF treatment cost in is highly varied; you will find high-end clinics that
charge more than ₹3,00,000 for one IVF cycle and the medication charges are not inclusive in several clinics.
On the other end we have Gynoveda, one among the best alternates to high cost IVF in
. Gynoveda provides a wholistic quality treatment to help you conceive starting
just ₹3,500."
IVF Cost Comparison
| Procedure | Gynoveda | |
|---|---|---|
| IUI | ₹10,000 - ₹15,000 |
Gynoveda Fertility Treatment Cost
Starts at Rs. 7,000 Without Surgery |
| IVF | - | |
| ICSI | ₹1,35,000 - ₹1,50,000 | |
| Frozen Embryo Transfer | ₹40,000 - ₹50,000 | |
| Laser Assisted Hatching | ₹18,000 - ₹22,000 | |
| Budget IVF | ₹75,000 - ₹85,000 | |
| IMSI | ₹2,10,000 - ₹2,60,000 |
Check Fertility Treatment Cost
Fertility Treatment Cost
Which factors affect the IVF cost in ?
Clinic’s Reputation and Success Rates
The Clinics with high success rates and renowned fertility specialists generally charge more.
In , prices at top-tier clinics could range from ₹2,50,000 to ₹4,00,000 per
cycle, depending on the clinic's reputation and success rates.
Number of Cycles
Many couples may need more than one IVF cycle to achieve a successful pregnancy. If a couple goes through
multiple cycles, the costs multiply accordingly.
For example, two cycles at a clinic charging ₹2,00,000 per cycle would total ₹4,00,000.
Type of Treatment
The specific IVF protocol required, such as standard IVF, ICSI (Intracytoplasmic Sperm Injection), or use of
donor eggs/sperm, significantly impacts the cost.
For example, a standard IVF cycle might cost around ₹1,50,000 to ₹2,50,000, while incorporating ICSI can
increase this to ₹2,00,000 to ₹3,00,000.
Additional Procedures
Any extra procedures, such as embryo freezing (approximately ₹20,000 to ₹30,000), thawing (approximately ₹15,000
to ₹25,000), or surgical sperm retrieval (approximately ₹30,000 to ₹50,000), add to the total cost.
Factors Specific to
Increasing Cost of Living
's increasing cost of living impacts everything from medical supplies to
operational clinic costs, contributing to the higher end of the pricing spectrum for treatments.
Availability of Advanced Technology
's clinics these days are offering the latest reproductive technologies, which
can increase costs.
For instance, using the latest genetic screening technology could add an additional ₹50,000 to ₹1,00,000 to
the treatment cost.
Competitive Market
The large number of fertility clinics in creates a competitive environment.
Although this competition can sometimes moderate prices, the high demand in such a metropolitan area often
keeps prices at a premium.
Real Estate Prices
The cost of maintaining a clinic in , given the increasing real estate prices
contribute to higher charges for services.
Rent and operational costs in prime locations can be substantially higher than in less central areas,
affecting the overall costs of treatments.
IVF Treatment Cost Timeline Comparison
Understand the stages, costs and time involved in an IVF treatment cycle, including the typical time frames for
each step in . This detailed breakdown helps in planning both financially and
emotionally.
Initial Consultation
Cost: Typically between ₹1,000 to ₹5,000.
Duration: 1-2 hours for the initial meeting.
Details: Initial assessments with a fertility specialist to discuss your medical history,
fertility issues, and suitable treatments.
Diagnostic Tests
Cost: Typically between ₹1,000 to ₹5,000.
Duration: 1-2 hours for the initial meeting.
Details: Initial assessments with a fertility specialist to Diagnostic Tests discuss your
medical history, fertility issues, and suitable treatments.
Ovarian Stimulation
Cost: About ₹60,000 to ₹80,000.
Duration: 10-14 days of treatment.
Details: Hormonal injections are administered to stimulate the ovaries to produce multiple
eggs. The cost includes the medication and monitoring during this phase.
Egg Retrieval Procedure
Cost: Approximately ₹35,000 to ₹55,000.
Duration: About 30 minutes for the procedure, recovery time varies.
Details: Hormonal injections are administered to stimulate the ovaries to produce multiple
eggs. The cost includes the medication and monitoring during this phase.
In Vitro Fertilization
Cost: ₹70,000 to ₹1,00,000 for the fertilization process.
Duration: 3-5 days for fertilization and embryo development.
Details: Eggs and sperm are combined in a lab to create embryos. Includes lab charges and
embryologist fees.
Embryo Transfer
Cost: About ₹60,000 to ₹80,000.
Duration: 10-14 days of treatment.
Details: Hormonal injections are administered to stimulate the ovaries to produce multiple
eggs. The cost includes the medication and monitoring during this phase.
Follow-Up Care
Cost: About ₹60,000 to ₹80,000.
Duration: 10-14 days of treatment.
Details: Hormonal injections are administered to stimulate the ovaries to produce multiple
eggs. The cost includes the medication and monitoring during this phase.
Additional Costs to Consider
Cost: If opted, can cost an additional ₹50,000 to ₹70,000.
Duration: Results typically available within 2-3 weeks.
Cryopreservation: If you choose to freeze extra embryos, expect to pay an additional ₹30,000
to ₹50,000 for freezing and storage per year.
Details: Embryos can be stored for years, depending on the clinic's policy and patient's
choice.
Guide to Financing IVF Treatments in
A typical mistake is overlooking the waiting period clause, which can be 2-4 years for infertility treatment
coverage. Ensure you understand the terms completely before purchasing.
Understand Policy Coverage
Most standard health insurance policies in India do not cover infertility treatments directly. However, some
newer policies might include it under additional benefits. Review your policy details carefully or consult
with your insurance agent.
Buying Insurance
When shopping for a new policy, specifically ask for any that include fertility treatment coverage. Consider
companies like Star Health, ICICI Lombard, and Max Bupa.
Choosing a Lender
Many banks and NBFCs in India offer medical loans specifically for treatments like IVF. HDFC Bank, Tata
Capital, and Bajaj Finserv are known for their medical loan facilities with competitive interest rates and
flexible repayment options.
Application Process
Applying for a medical loan typically requires documentation such as ID proof, address proof, and proof of
income. The approval process can take anywhere from a few days to a week.
Available Fertility Grants
Organizations like the South Asian Reproductive Justice Alliance and the Fertility Foundation of India
sometimes offer financial assistance for IVF treatments.
Applying for Grants
Be prepared to provide medical history and possibly a statement of financial need. It's crucial to apply as
early as possible as funds are limited and distributed on a first-come, first-served basis.
Clinic-Specific Financing
Some clinics in offer in-house financing options or payment plans that spread
the cost over the course of treatment.
What to Ask
Inquire about the interest rates, any hidden fees, and the exact terms before agreeing to a payment plan.
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs)
Using HSAs/FSA
While less common in India than in the U.S., some employers may offer medical savings accounts which can be used
to fund IVF treatments using pre-tax earnings.
Plan Contributions
Check with your employer about the availability of such schemes and the applicable contribution limits.
While less common in India than in the U.S., some employers may offer medical savings accounts which can be
used to fund IVF treatments using pre-tax earnings.
Crowdfunding
Use Indian crowdfunding platforms like Ketto or Milaap to raise funds for IVF treatments. These platforms have
a wide reach and can help share your story with a sympathetic audience.
Ensure your campaign is transparent about the costs and your journey. Regular updates and heartfelt stories
increase engagement and donations.
Tax Deductions
Medical expenses related to IVF can be claimed under Section 80D of the Income Tax Act if you have receipts to
substantiate the expenses.
Consult with a tax professional to ensure that you're maximizing your deductions and correctly filing the
necessary documentation.
By exploring these financing options, you can make the IVF process more manageable financially. It’s advisable
to consult with financial advisors and medical professionals to find the best approach for your situation.
IVF Cost in Cities Nearby
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