How Much Does IVF Treatment Cost in India?

Key Takeaways

• The cost of IVF in India ranges from ₹1,76,000 to ₹2,77,500 per cycle, depending on the clinic, location, and individual treatment needs.
• The base IVF fee includes monitoring, egg retrieval, embryo creation, and transfer, while additional costs may include fertility assessments, semen analysis, and medications.
• Mini IVF can be more cost-effective but may require multiple cycles.
• Factors such as the clinic’s reputation, the doctor’s qualifications, and the severity of infertility can influence the overall cost.
• Insurance coverage for infertility treatments is limited in India, making it essential to explore alternative financial options and compare costs based on success rates.

Beginning your IVF journey is a mix of excitement and uncertainty, especially when thinking about the financial side of things like the cost of IVF in India. It’s normal to have questions about the price of IVF. In this article, we’ll walk you through the different factors that affect the total cost of IVF in India, so you can better understand what to expect and plan your finances with confidence.

Factors Influencing IVF Cost in India

IVF is an assisted reproductive technology that involves fertilising an egg with sperm outside the body, in a laboratory setting. The resulting embryo is then transferred to the uterus, with the hope of achieving a successful pregnancy. The cost of IVF in India can vary significantly based on several factors:

• Patient age: Older patients may require multiple IVF cycles, increasing the overall cost.
• Type of IVF procedure: Advanced procedures like Intracytoplasmic Sperm Injection (ICSI), assisted hatching, and Pre-implantation Genetic Testing (PGT) can significantly increase the total cost of IVF in India.
• Use of donor eggs or sperm: If you require donor eggs or sperm, the cost can substantially increase.
• Clinic reputation and location: The cost can vary based on the clinic’s reputation, the expertise of the IVF specialists, and the location. For instance, IVF costs in major cities like Delhi, Mumbai, and Bangalore can range from INR 1,80,000 to INR 2,50,000 per cycle.

On average, the total cost of IVF in India ranges from INR 1,76,000 to INR 2,77,500 per cycle. However, it is essential to discuss the specific IVF procedure cost with your chosen clinic to get a more accurate estimate.

Breaking Down The IVF Process Cost in India

To better understand the IVF treatment cost in India, let’s break it down into its components:

Keep in mind that these are rough estimates, and the actual IVF cost in India may differ based on your specific case and chosen clinic.

IVF Cost in India Across Various Cities

The cost of IVF in India may vary from one city to another based on their economic situation. Refer to the below price range for an estimate of IVF cost in different cities:

*The above-mentioned price range is for reference only and may vary based on the type of fertility disorder and treatment required.*

Fresh vs. Frozen Embryo Transfer Costs

The cost of a fresh embryo transfer is usually included in the base IVF cost in India. However, if you opt for a frozen embryo transfer (FET), there may be additional costs:

• Embryo freezing: INR 20,000 – 30,000
• Annual storage fees: INR 5,000 – 10,000
• FET cycle: INR 50,000 – 1,00,000

Advanced IVF Techniques and Their Costs

As medical technology advances, so do the options available for IVF treatment. Some advanced IVF methods can increase the overall IVF price in India:

1. ICSI: This procedure involves injecting a single sperm directly into the egg and can add an additional INR 20,000 to INR 50,000 to the base cost.
2. PGT: This testing can add significant costs, typically ranging from INR 50,000 to INR 1,00,000.
3. Natural IVF and Modified Natural IVF: These are lower-cost options that use fewer hormones and medications, starting at around INR 35,000 to INR 75,000.
4. Laser-assisted hatching: Often included in the base cost or may incur a small additional charge
5. Blastocyst culture: Usually included in the base cost

Insurance Coverage and Financing Options

Unfortunately, health insurance in India generally does not cover IVF treatment, as it is considered an elective procedure. However, some costs associated with IVF, such as diagnostic tests and specific procedures, might be reimbursable.

To make IVF treatment more accessible and manageable, many fertility clinics in India offer flexible payment options, including:

• EMI (Equated Monthly Installment) plans
• Credit card payments
• Cheques and bank transfers

It is always a good idea to discuss payment options with your chosen fertility clinic to find a solution that works best for you.

Choosing the Right IVF Clinic

When considering IVF treatment, it is essential to choose a reputable clinic with experienced specialists and a track record of success. Factors to consider include:

• Success rates
• Expertise of the IVF team
• Transparency in pricing
• Patient testimonials
• Accreditation and certifications

Take the time to research and compare different clinics before making a decision. Schedule consultations with multiple providers to ask questions and gauge your comfort level with the clinic and its staff.

Who should opt for IVF?

IVF is often recommended for couples facing various fertility challenges, such as:

• Blocked or damaged fallopian tubes
• Male factor infertility (low sperm count or poor sperm motility)
• Unexplained infertility
• Ovulation disorders or premature ovarian failure
• Same-sex couples or single parents using donor sperm or eggs

Tips for Saving Money on IVF Treatment

While IVF treatment can be expensive, there are ways to potentially reduce costs without compromising on the quality of care:

• Take time to research and compare clinics, considering factors such as success rates, patient reviews, and costs.
• Opt for a package deal that includes multiple IVF cycles at a discounted rate.
• Consider putting up closer to clinic to reduce overall cost of IVF treatment.
• Explore financing/ EMI options to help make treatment more affordable.