We all had a plan, right? Get into a top pedigree college, land the perfect internship, score an amazing job offer, find the love of our life–and then start a family.
But reality? It rarely follows the script.
Especially for women, balancing a career and starting a family often feels like a tough nut to crack.
Not anymore.
With advanced procedures to freeze eggs, also known as oocyte cryopreservation, women today can choose when they want to start a family. But if the technology is here, why are many still hesitant to go for it? The simple answer: cost. One of the most common questions women ask while researching egg freezing is, “Is egg freezing covered by insurance?”
In this blog, we’ll break it all down. From its meaning to which insurance cover egg freezing, everything is explained right here.
What is egg freezing and who needs it?
It is a procedure in which a woman’s eggs (also called oocytes) are extracted, frozen, and stored. Once stored, these eggs can be thawed whenever needed and used to conceive through fertility procedures like In-Vitro Fertilization (IVF). The duration of storage depends on the clinic, usually, it ranges from 5-10 years.
Many women consider egg freezing for different reasons. Women in their mid-20s or early 30’s who want to postpone having a child are usually the best candidates. That’s not all, though! Certain medical procedures, such as radiation or chemotherapy, may affect a woman’s ability to conceive. Preserving their eggs gives them the chance to become parents in the future.
Is egg freezing covered by insurance?
Now to the big question.
Many insurers do not cover egg freezing in their plans because it is still not a widely accepted practice. While some insurance covers freezing eggs in a few countries, it is still quite limited in India. Hence, before you begin, it’s crucial to confirm whether egg freezing is covered by insurance or not. If not, you might want to think about adding a rider to your plan.
Some insurers do offer plans that partially cover fertility procedures. However, with landscape shifting and companies recognising the importance of fertility preservation, we believe there will be insurance plans covering egg freezing in the coming years.
Egg Freezing & Insurance: Key Things To Do
If you’re still wondering whether your insurance covers egg freezing, here are some tips on what questions to ask your insurance provider about fertility benefits.
- Check your insurance policy The first and foremost thing to do it go through your insurance policy from start to end. Once you’ve reviewed the policy, get on a call with your insurer to clarify any doubts. Ask them clearly whether freezing eggs is covered by insurance or not. In some cases, the cost of fertility preservation can be insured partially, hence, keep asking follow-up questions. Don’t hesitate to be persistent until you get a clear, definitive answer
- Ask about medical necessity for health reasons, then ask your doctor for documentation proving medical necessity. Procedures that are considered medically necessary are more likely to be covered by insurance companies.
- Connect with your HR There are certain organisations and companies that offer fertility preservation benefits. Reach out to your HR department to know about the same. At times, egg freezing is not entirely covered by their policy, but it can still benefit you in some way.
What if egg freezing is not covered by your current insurance plan?
Here are some practical steps you can take to explore insurance coverage for egg freezing.
- Consider looking into employer-sponsored fertility benefits. There are some startups as well as MNC’s now offer fertility support as part of their employee wellness programs. Check with your HR to see if any such benefits exist.
- Check with your clinic about flexible payment plans. We at Birla Fertility & IVF offer structured payment options to ease the financial burden.
- You can go for medical loans from third-party providers tied to fertility clinic.
Understanding everything, we at Birla Fertility & IVF make future planning easier with 0% EMI options that cover everything from egg freezing to other medical procedures. Other than this, we also offer a 5 year complimentary egg storage, reducing your overall cost.
Which insurance companies or plans offer coverage for egg freezing?
Egg freezing is typically considered elective, non-medical procedure. It is for this reason that it is not widely covered by insurance in India. However, amid rising infertility in India, some international plans include it under fertility preservation for Cancer.
At Birla Fertility & IVF, we make egg freezing more accessible—whether or not you’re insured. Our high-tech labs and cutting-edge vitrification technology help preserve your eggs safely and efficiently.
It is a wise method to preserve your future fertility, whether for personal or medical reasons, with our success rates equivalent to fresh eggs and a 90%+ egg survival rate after thawing (particularly when frozen before 35).
Additionally, we offer free storage of eggs for five years. This lowers the overall cost significantly with a monthly payment of just ₹1,667. All cost related queries are solved during the initial counselling itself, making the whole process transparent and affordable. In case you need more clarification, you can always connect with our team. They are available round the clock to answer you questions and walk you through the whole process. Our dedicated fertility helpline assists you in making the decision that can change the shape of your future.
Wrapping Up
We hope to have answered all your questions, especially “Is egg freezing covered by insurance?” . There may be still be some doubts, but do not hesitate or sit back. Ask questions. Insurance companies are there to help you out with all the necessary information. Because at the end, your focus should be on having the freedom to choose when to give birth, not on hospital bills!
FAQ:
Does insurance cover egg freezing India?
The short answer to this question is : sometimes. There are insurance plans that partially cover the costs of egg freezing in India. But, there is no specific plan as of now.
Is egg freezing covered by mediclaim?
Typically, no—most mediclaim policies in India do not cover egg freezing unless it’s medically necessary, like before cancer treatment. However, you must ensure the same before going for the process.
What features should I look for in an egg freezing insurance policy?
First, look for all the coverage details, especially whether it covers cryopreservation or not. Other than this, check for waiting periods and claim restrictions. Look for IVF benefits as well.
How much does egg freezing cost without insurance?
If you do not have insurance cover for egg freezing, then it generally costs between ₹1.2 to ₹1.8 lakh per cycle in India.
