Everything You Need To Know About IVF Costs In India

by Dr. Firuza Parikh

The yearning for parenthood is a natural phenomenon, and it can burn quite brightly, especially as we reach a certain age. In Vitro Fertilisation (IVF) offers a chance to start a family for many couples struggling to conceive. Yet, taking this particular route often raises essential questions, with one of the most crucial being the cost. In a nation like India, where the medical landscape is developing rapidly with cost-effective prices for even major procedures – when compared to other countries – getting an idea of IVF expenses becomes a significant consideration. The affordability and accessibility of IVF treatments play quite a pivotal role in shaping the decisions of those on the path to parenthood.

This blog aims to give insights into the average cost of IVF treatments in India.

IVF Costs: Table Of Content

Why Is India A Preferred Destination For IVF?

India has always been known for excelling in the field of medicine primarily due to its world-class doctors and hospitals, cost-effective treatments, no waiting periods for medical processes, and a rising popularity among Western tourists.

In fact, the medical tourism sector in India was valued at approximately USD 9 billion in 2020, securing the country’s position as the 10th leading destination in the Global Medical Tourism Index. As of late, the country/s cutting-edge reproductive healthcare solutions have made it a haven for people seeking In-Vitro Fertilisation (IVF) treatment.

Besides its world-class treatment centres, rapid progress in medical technology, and affordability as compared to other countries, India is among the preferred destinations for IVF because it is at the forefront of reproductive medicine. From the introduction of technologies like Intracytoplasmic Sperm Injection (ICSI) (a technique pioneered by Dr Firuza Parikh at Jaslok Hospital India in 1994) to services like Intrauterine Insemination (IUI) and Egg & Embryo donation, among many others, the country’s healthcare innovations continue to pull in international patients from corners of the world in hopes of being on the path of a successful pregnancy journey.

How Much Does IVF Treatment Cost in India?

Determining the average cost of IVF treatment in India involves considering several factors that contribute to the overall expenses. The location, clinic reputation, comprehensive components within the IVF package, the specialist’s experience, success rates, the specific IVF procedure required, and the necessary medications all play a role, which we will dive deeper into later.

To make the financial aspect more manageable, FertilTree offers various packages with flexible payment options, including credit cards, cheques, bank transfers, or cash. Receipts are provided for transparency in all procedures.

Treatment	Costs
IUI	30K -50K
IVF	85K – 115K
ICSI	110K – 180K
Frozen Embryo Transfer	85K – 150K
Laser Assisted Hatching	No additional charge
Blastocyst Culture	No additional charge
IMSI	150K – 160K
Cumulus-Aided Transfer	No additional charge
PGT	120K – 260K

It’s important to note that these charges are exclusive of hormonal medication, hormonal blood tests, half-day stay in the hospital, pre-anesthetic checkup and pre-IVF blood tests. Charges for specific procedures, like Fresh Embryo Transfer, are included in the IVF ICSI package. Additionally, charges for freezing embryos are separate depending on the personalised nature of fertility treatments.

Components Of IVF Treatment Cost

In India, although the cost is considerably lower compared to most Western countries, it makes sense to understand all of the components that contribute to the overall cost. Here’s a breakdown of what to expect:

Pre-Treatment :

Consultation fees: The initial consultation with a fertility specialist sets the stage for your journey. Fees vary based on the doctor’s experience and the clinic’s reputation.

Diagnostic tests: Blood tests, semen analysis, and ultrasound scans analyse fertility health. Expect to incur costs for these investigations.

The IVF Procedure:

Ovarian stimulation: Medications to stimulate egg production come in different protocols and dosages, impacting the cost.

Egg retrieval: This surgical procedure involves retrieving eggs from the ovaries. Be prepared for anesthesia, surgeon fees, and operating room and lab charges.

Sperm preparation and freezing: If needed, the preparation and freezing of sperm adds to the total cost, depending on the chosen method.

Embryo culture and development: The lab takes centre stage as fertilised embryos are nurtured for several days. This includes lab charges and embryologist fees.

Embryo transfer: The delicate process of transferring embryos back into the uterus involves anesthesia, operating room charges, and doctor’s fees.

Post-Treatment:

Cryopreservation of extra embryos: If you have extra embryos, you can choose to cryopreserve them for future attempts, incurring additional storage costs.

Pregnancy test: This confirms whether the journey has yielded a positive outcome.

Factors That Can Affect IVF Treatment Cost

In the face of complex challenges posed by infertility, advanced reproductive technologies, such as in vitro fertilisation (IVF), have emerged as a blessing in the modern healthcare landscape. Still, when couples consider their options, the cost of in vitro fertilisation (IVF) frequently dominates the discussion, overshadowing the critical role played by advanced technology in this treatment.

Below are some of the common factors that impact the price of IVF treatment in India:

Age of the patient.
The ovarian reserve of the patient.
Use of advanced technology.
Use of add-ons.

Does Health Insurance Cover IVF Treatment Cost?

Typically, health insurance plans in India do not include coverage for the expenses associated with In Vitro Fertilization (IVF) treatment or procedures related to test tube baby conception. IVF is generally viewed as an elective procedure rather than a medical necessity, leading to its exclusion from standard insurance coverage.

However, some insurance providers might offer coverage for diagnostic tests and procedures linked to IVF, such as blood tests, ultrasounds, as well as consultations with fertility specialists. The extent of coverage varies between insurance providers and policies. Some plans may provide partial coverage for these procedures, while others may not cover them at all. It’s essential to note that specific insurance policies may have exclusions related to infertility or IVF treatment.

It’s important to bear in mind that the key is to be informed:

Contact your insurance provider to obtain detailed information about your coverage and to address any inquiries you may have.

Ask about the specific amounts required for co-pays and deductibles. These are additional amounts you might have to pay, even with coverage.

When considering an add-on, explore different plans and riders in order to find the one that meets your needs and budget for the most effective one.

How Can You Save Costs During IVF Treatment?

To minimise expenses during IVF treatment, consider the following strategies:

Compare Clinic Options: Compare the costs and services provided by various IVF clinics. It’s imperative that you do not base your decisions on the costs alone. Look into each clinic’s reputation, success rate, experience and expertise of the medical team, as well as the range of services they offer.

Consider Location Proximity: some couples may opt for a clinic near their home or workplace to reduce travel costs. At the same time, remember that quality should always be on top of your priority list.

As Jaslok-FertilTree offers online consultation, you are at an advantage in understanding the pricing. A consultation could give you the opportunity to get an insight into the hospital’s service quality and potentially more.

How To Choose An IVF Centre

To find the best IVF centre. Follow the tips below:

Research online.
Talk with friends and family who have used clinics in the past.
Check out the details of the team members and the faculties involved.
Years of experience with the core team are important.
Check if it is a one-stop clinic (if facilities for sonography, consultation, counselling, hormone testing, and daycare are all available in one place).
Take a prior appointment.
Observe the ambience and the environment of the clinic.
The availability of doctors and staff is important. Approachable staff and team members make the experience easier.
Whether the clinic is equipped with the latest technology, at Jaslok-FertilTree, we have state-of-the-art technology in all aspects of IVF, including Preimplantation Genetic Testing, Laser Assisted Hatching, ultrasound-guided embryo Transfer and Artificial Intelligence, to name a few.

Factors To Consider When Choosing A Fertility Clinic

Choosing the right fertility clinic is an important decision, and several factors should be considered. Ask yourself the following questions:
Is the clinic registered and certified?
Are the latest techniques available
Is the team up-to-date on the latest advances in the field?
Does the clinic keep upgrading itself as per the advancement in new techniques?
Are there enough authentic reviews about the clinic?
One should also note the number of cycles that the clinic carries out every month.
Is the clinic located in a densely polluted area?
Are there any support groups available?
Here are some additional tips to keep in mind:
Reviews are the perfect reflection of patients’ experiences and satisfaction.
Many clinics boast of having high success rates.
The location and surroundings of the clinic can impact the environment of its IVF lab. Pollution around the clinic may hamper its air quality, leading to instability in the VOC levels and thereby affecting the success rates. Pick wisely.
Many clinics have counsellors who provide counselling, thus providing relief from stress for couples undergoing treatment. This will prove to be helpful during the IVF process.
It’s important to ask how many technologists and embryologists man the laboratory.

How FertilTree Can Help You In Your IVF Journey

At Jaslok-Fertiltree International IVF Centre, we stand out as pioneers in reproductive technology, offering a range of cutting-edge services that set us apart from other IVF clinics. A centre with one of the highest pregnancy rates in India, we consistently align with global standards. This exceptional success rate is a testament to the expertise of our team and the effectiveness of the technologies we use. We understand that the ultimate goal is a successful pregnancy, and our results speak volumes about our dedication to making that a reality for our patients.

Our commitment to innovation includes being pioneers in Intracytoplasmic Sperm Injection (ICSI), Cumulus Aided Transfer, Artificial Intelligence, and Preimplantation Genetic Testing.

Beyond our technological advancements, Fertiltree is fully supported by various service teams, including medical, surgical, endocrinological, and intensive care units. This multidisciplinary approach ensures that every aspect of your fertility journey receives the attention and expertise it deserves.

For additional inquiries, feel free to reach out to us via email at [email protected], or you can contact us by phone at +91-22-66573175.

IVF Costs FAQs

How does the age of women affect IVF costs?

The procedure costs do not change; however, younger women may need a lesser amount of hormonal medication, which may decrease the cost of an entire cycle.

How much does one cycle of IVF cost?

Please refer to the table above.

How is IVF in India much more affordable than in Western countries?

In Western countries, the cost of IVF can vary from 20k USD to 40k USD, whereas the cost of IVF in India can range from 85k INR to 115k INR.

Are there any other factors that can affect the IVF costs?

Yes, the factors that can affect the cost of IVF are-

Age of the patient

The ovarian reserve of the patient

Use of advanced technology

Use of add-ons

How much do IVF injections cost?

IVF injections can cost between 50K and 150K INR per cycle.

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