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Health Insurance that covers Infertility Treatment

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.

Team Digit

Various Reasons for Infertility

In males there could be structural issues or functional issues like

Varicocele, or the swelling of the veins that drain the testicle.
Infection: Some infections can interfere with sperm production or sperm health or can cause scarring that blocks the passage of sperm.
Ejaculation issues: Retrograde ejaculation occurs when semen enters the bladder during orgasm instead of emerging out the tip of the penis. Various health conditions can cause retrograde ejaculation, including diabetes, spinal injuries, medications, and surgery of the bladder, prostate or urethra.
Antibodies that attack sperms, mistakenly identifying sperm as harmful invaders and attempt to eliminate them.
Tumors: Cancers and non-malignant tumors can affect the male reproductive organs directly, through the glands that release hormones related to reproduction.
Hormone imbalances, due to disorders of the testicles themselves or an abnormality affecting other hormonal systems including the hypothalamus, pituitary, thyroid and adrenal glands.
Defects of tubules that transport sperm, due to inadvertent injury from surgery, prior infections, trauma or abnormal development, such as with cystic fibrosis or similar inherited conditions.
Celiac disease or a digestive disorder caused by sensitivity to gluten, celiac disease can cause male infertility
Certain medications: Testosterone replacement therapy, long-term anabolic steroid use, cancer medications (chemotherapy), certain antifungal medications, some ulcer drugs and certain other medications can impair sperm production and decrease male fertility.
Prior surgeries

In females, the reasons or causes could be

Ovulation disorder, or ovulating infrequently, due to

Polycystic ovary syndrome (PCOS). PCOS causes a hormone imbalance, which affects ovulation.
Hypothalamic dysfunction.
Premature ovarian failure. Also called primary ovarian insufficiency, this disorder is usually caused by an autoimmune response or by premature loss of eggs from your ovary (possibly from genetics or chemotherapy).
Too much prolactin. The pituitary gland may cause excess production of prolactin (hyperprolactinemia), which reduces estrogen production and may cause infertility.

Damage to fallopian tubes (tubal infertility), due to

Pelvic inflammatory disease, an infection of the uterus and fallopian tubes
Previous surgery in the abdomen or pelvis
Pelvic tuberculosis

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.

Treatments covered under Infertility Treatment Insurance

Here is a brief outline of the popular treatments covered under Infertility Treatment Health 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.

There are certain terms and conditions that you should also be aware of to avail Infertility Treatment Insurance:

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.

Know about the Sum Insured and How to Calculate the Health Insurance Premium?

FAQs about Infertility Treatment Cover in Health Insurance

In a nutshell, here are the answers to the questions you may have before you decide to take Infertility Treatment Insurance:

All

Is it for both males and females?

That would be a big ‘Yes’

Can someone who has a kid already avail this insurance for the second child?

Yes again, for both primary and secondary infertility.

If my partner is infertile but I am insured, is this still valid?

Not really, but if the person is a part of the policy it’s possible. The only downside is a long waiting period!

Is there any minimum and maximum age to avail this cover?

No. But usually, this insurance is restricted after your 40’s.

Is this valid for outside India as well?

No, this policy is valid only in India.

When is this cover not valid?

The insured can avail this insurance only once during the policy period, after which it stands void.

What part of the treatment is not valid?

All the treatments done during the waiting period are not valid in this policy.

What is the cost of this treatment?

The cost can range from 1.5 to 2 Lac Rupees.

Do I need to pay any part of it?

The insurer will cover medical bills. However, some health insurers restrict on the total expense whereas others restrict on the pre and post hospitalization expenses.

Once I am pregnant after this treatment, am I valid for maternity cover?

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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