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Terms and conditions
Terms and conditions
Parenthood is the most beautiful feeling in the world. But there are times when conceiving a child becomes difficult, infertility being a reason for it.
To start with, by and large, Infertility can be classified into two types:
a) Primary Infertility: Someone who has not become pregnant after at least one year of unprotected sex.
b) Secondary Infertility: Someone who has become pregnant at least once but never again.
Ovulation disorder, or ovulating infrequently, due to
Damage to fallopian tubes (tubal infertility), due to
Endometriosis - Endometriosis occurs when tissue that normally grows in the uterus implants and grows in other locations. This extra tissue growth — and the surgical removal of it — can cause scarring, which may block fallopian tubes and keep an egg and sperm from uniting.
Uterine or cervical causes - Thankfully, with the advancement of medical sciences there is a cure for Infertility, and people are opting for such treatments across the globe.
Here is a brief outline of the popular treatments covered under Infertility Treatment Insurance (Some of which come under add-ons). Rest assured, Insurance Companies will pay the medical expenses if you are hospitalized on the advice of the doctor for Infertility/ Subfertility treatments. The procedures mentioned are for assisted conceptions Once the problem is identified, one can opt for such assisted procedures.
1) IUI (Intrauterine Insemination): A treatment in which sperms are inserted directly into your uterus when you ovulate.
2) IVF (In Virto Fertilisation): Eggs are gathered from your ovaries and combined with your spouse's sperm in a laboratory dish. The resulting embryos are transplanted to your uterus.
3) GIFT (Gamete Intrafallopian Transfer): Your eggs are removed, mixed together with your spouse's sperm in a dish in a laboratory, then placed into your fallopian tubes.
4) ICSI (Intracytoplasmic Sperm Injection): A single sperm is injected directly into a single egg in the laboratory and the resulting embryo is transplanted into your uterus.
1) Eligibility - Depending on your age, medical history and other health complications.
2) Waiting period - The waiting period to avail this policy can range from 2 to 4 years.
3) Validity - This insurance policy can be availed only ‘Once’.
4) Addons - Addons to this policy come at a premium.
Important: Understand the benefits of Corona Health Insurance
In a nutshell, here are the answers to the questions you may have before you decide to take Infertility Treatment Insurance:
That would be a big ‘Yes’
That would be a big ‘Yes’
Yes again, for both primary and secondary infertility.
Yes again, for both primary and secondary infertility.
Not really, but if the person is a part of the policy it’s possible. The only downside is a long waiting period!
Not really, but if the person is a part of the policy it’s possible. The only downside is a long waiting period!
No. But usually, this insurance is restricted after your 40’s.
No. But usually, this insurance is restricted after your 40’s.
No, this policy is valid only in India.
No, this policy is valid only in India.
The insured can avail this insurance only once during the policy period, after which it stands void.
The insured can avail this insurance only once during the policy period, after which it stands void.
All the treatments done during the waiting period are not valid in this policy.
All the treatments done during the waiting period are not valid in this policy.
The cost can range from 1.5 to 2 Lac Rupees.
The cost can range from 1.5 to 2 Lac Rupees.
The insurer will cover medical bills. However, some health insurers restrict on the total expense whereas others restrict on the pre/post- hospitalization expenses.
The insurer will cover medical bills. However, some health insurers restrict on the total expense whereas others restrict on the pre/post- hospitalization expenses.
Yes, you are valid for a maternity cover if you are pregnant after this treatment.
Yes, you are valid for a maternity cover if you are pregnant after this treatment.
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Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.
Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.
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closeAuthor: Team Digit
Last updated: 02-07-2024
CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.
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