Fertility Treatments in India: What Works, What Costs, and Who It’s For

When you’re trying to start a family and it’s not happening on its own, fertility treatments, medical interventions designed to help people conceive when natural methods fail. Also known as assisted reproductive technology, they’ve become a lifeline for millions in India. From IVF to donor eggs and sperm, these treatments aren’t just about science—they’re about identity, money, and hope. And in India, where costs are lower than in the U.S. or Europe, more people are turning to them. But what you get for your money, what insurance covers, and whether the child is genetically yours? That’s where things get real.

One of the biggest questions people ask is, Is an IVF baby genetically yours? The answer isn’t yes or no—it depends on whether you used your own egg or sperm. If you used a donor, the child carries someone else’s DNA. That’s not just a biological fact—it affects legal rights, emotional bonding, and how you tell your child their story later. Then there’s the cost: one round of IVF in India runs between ₹2.2 lakh and ₹3.5 lakh, including meds and procedures. Most insurance plans don’t cover it, and even when they do, you’ll likely need to fight for approval. Some states mandate coverage, but it’s patchy. You might need to use an HSA or FSA to stretch your budget. And if you’re hoping for twins? You can’t pick them. Twins happen when more than one embryo sticks, but clinics now often transfer just one to avoid risky pregnancies. It’s a trade-off: higher safety, lower chance of multiples.

There’s also the emotional side. Fertility treatments aren’t a quick fix. They’re a process—full of blood tests, injections, waiting, and uncertainty. People often feel isolated because no one talks about it openly. But you’re not alone. Thousands in India go through this every year. The posts below cover what you need to know before you start: how much IVF really costs, which insurance plans might help, what happens when you use donor gametes, and why twins aren’t something you can order on demand. You’ll also find real talk about the hidden costs, the emotional toll, and the surprising ways people make it work. This isn’t a sales pitch. It’s a practical guide for people who are tired of guessing and ready for clear answers.